What Does Liability Insurance Cover?

You’re legally required to have liability insurance to drive on Denham Springs streets. Since the law requires you to pay for it, you may be wondering, “What does liability coverage pay for?” or “How does liability coverage work?” The most simple auto liability insurance definition is that it covers the damage you do to other people or other people’s property in the event of an accident if you’re at fault. Let’s take a closer look. 

Then, once you’re better informed about the types of coverage you’ll need for your used car, take a look at our used vehicle inventory and get in touch with a Ralph Sellers Chevrolet location near you in Sandy or Murray! 

How Does Liability Insurance Work? 

For a more thorough answer to the question, “What does liability insurance cover?” read on for a detailed auto liability insurance definition. Here are the main types of coverage you get with liability insurance: 

Property Damage

• Parts replacement 
• Cost of repairs
• Pets
• General property damage 
• Vehicle damage

Bodily Injury

• Hospital bills 
• Rehabilitation 
• Long-term care 
• Lost wages 
• Funeral costs 
• Pain and suffering 

In general, liability coverage pays for damages you cause with your vehicle. You’re required to pay for it, but you do have some say in how the funds are allocated. Read on to learn about coverage limits. 

Liability Coverage Limits 

When arranging for liability coverage, you’ll be able to customize how your coverage payments are allocated: 

• Opt for a split limit, and you’ll be able to designate maximums for the bodily injury payments for each passenger in the car. For instance, you can ensure the driver gets a larger payment. 
• With a single limit, your coverage money is dispersed evenly between all of the passengers. 

Have More Questions About How Liability Insurance Works? 

If anything remains unclear about our auto liability insurance definition, and you have more questions about what liability coverage pays for, give Ralph Sellers Chevrolet a call. The number for our Murray location is 801-312-1600, and the number for our Sandy location is 801-545-9292.