What Does Liability Insurance Cover?
Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage. Though these are separate, they are both legally required. This covers expenses from injuries to other people or property damage if you, the Englewood driver, are at fault. So, what does liability coverage pay for? Let’s take a closer look at what it offers, should you get into a car accident in your new Kia.
How Does Liability Insurance Work?
While both bodily injury and property damage fall into your overall liability coverage, each can have its set limits. Though the state sets minimum limits, you can set your limits based on how much you are comfortable with. Liability insurance covers the following
Bodily Injury
- Medical and hospital bills
- Any long-term nursing care that may be needed
- Funeral expenses in the event of a fatal accident
- Rehab
- Pain and suffering
- Lost earnings
Property Damage
- Repair expenses
- Necessary part replacement
- Vehicle damage
- General property damage (house, personal property, etc.)
- Pets
Remember the key factor is that this coverage is for the victim of the accident, not the driver at fault. It’s also essential to set proper limits on your liability coverage that align with how much you can offer.
Liability Coverage Limits
When setting up your plan with your North Port agent, you’ll have to discuss coverage limits. Limits can either be split or housed as a single limit. Here’s how that works:
- A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and for all property damage
- With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged
Learn More About Insurance Coverage at Kia of Port Charlotte
Purchasing a new or used vehicle means properly going over, and understanding, all available financing and auto insurance options. Make sure you’re following state guidelines while also selecting the coverage that’s appropriate for your needs. If you have any questions, visit us at Port Charlotte, take a look at our car-buying tips, or simply contact us online.
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