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Auto Liability Insurance

It only takes the blink of an eye for a car accident to happen. And even if it absolutely, positively wasn’t your fault… a court might not agree. And that means you have to pay for the damages and the injuries.

But if you have an auto liability policy, your auto insurance company pays the damages. Sure, your premiums will go up… but that’s a lot easier to take than a big fat court settlement you have to pay out of your own pocket.

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Liability is a legal term that refers to the responsibility a person has for someone else’s loss or injury. Questions about liability are typically settled in courts, and settlements can run into several thousands — sometimes millions — of dollars. So having an insurance policy to protect you is a good idea.

Two Kinds of Liability Insurance

Auto liability policies have limits. The limit is the total amount of money the policy will pay out to cover you.There are two different kinds of policies:

Combined Single Limit policies cover damage to property and bodily injury in one policy.

Split Limit policies have separate amounts of coverage for property damage and bodily injury.

The coverage for bodily injury is also often split. You can get coverage on a maximum payment per person or maximum payment per accident basis.

Usually, the higher the limit on your liability policy, the more that policy will cost you. So before you buy a policy, consider how much protection you need. And think about how much you can afford. Like buying any other insurance policy, you want to find a balance between your coverage needs and your budget.

Working with a professional insurance agent can help you decide what kind of policy you should buy. To get matched with agents, use our online quote service. It’s fast, easy, and free.

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