What does liability auto insurance cover?

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What does liability auto insurance cover?

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Auto liability insurance coverage can help cover injuries and damage to others in a car accident where you’re at fault. If you’re found responsible, your insurance may pay for the other party’s medical bills and repairs, within the limits of your policy. It can also assist with legal expenses if they decide to sue you.

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Liability car insurance covers you when you’re at fault for a car accident that results in bodily injury or property damage to others.

Here is what it includes:

  • Bodily Injury (BI) Liability Coverage: This pays for medical bills and lost wages for people in another vehicle if you cause the crash. The coverage has payment limits for injuries to one person and injuries to more than one person in an accident.
  • Property Damage (PD) Liability Coverage: This covers property damage caused by you in any one accident. For example, if you accidentally crash into someone else’s car or damage a neighbor’s fence, this coverage applies.
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Car liability insurance specifically covers injuries or damages inflicted on third parties and their property. It does not extend coverage to the driver or the driver’s own property, which may be protected separately under other parts of their insurance policy. The two main components of liability car insurance include bodily injury liability, which covers injuries to others, and property damage liability, which covers damage to others’ property.

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I just wanted to mention that car liability insurance is specifically designed to protect others and their property in case of an accident. It doesn’t provide coverage for the driver or their own property. However, it’s worth noting that there may be other parts of the policy that offer separate coverage for the driver and their property.

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Car liability insurance exclusively protects against injuries or damages involving third parties and their property, excluding coverage for the driver or their personal property. Other sections of the policy typically cover these aspects. The two main parts of liability car insurance are bodily injury liability and property damage liability.