What Does Liability Car Insurance Cover?

January 19, 2021

Accidents happen at the most unexpected times. Even when you are commuting on your daily route, the risks still remain. While we all like to keep our own driving abilities sharp, there are times where you may be at fault. Even if you cause a collision by accident, you will still be responsible for the event.

If you have comprehensive car insurance, you are lucky. The insurance is likely to cover the costs of your own car’s damage. The problem, however, is that your insurance policy won’t provide coverage for the other party’s damage. If you are found to be the responsible party for the accident, costs associated with the other party may fall upon you to pay. Without the right coverage, this means you now have with a large expense on your hands.

Liability car insurance is a useful option to cover yourself in these events. In this post, we take a look at what does liability car insurance cover, what liability limits there are, and other essential information related to these policies.

What Is Liability Car Insurance?

The National Highway Traffic Safety Administration reports that 36,096 deaths were recorded as a result of motor vehicle accidents in 2019. In 2018, more than six million accidents were recorded in total. Among these accidents, 1.894 million people experienced an injury as a result of the accident, while 4.807 million cases only involved property damage.

When you are involved in a motor vehicle accident, one of your initial steps will usually be to contact your insurance provider. Once you have reported the accident, procedures will follow to cover the costs for your vehicle’s repairs.

Your comprehensive car insurance policy will fix the damage to your car, but it will not cover the other party’s costs. In some cases, you will be responsible for paying costs related to bodily injuries and property damage the other party suffered. This is generally the case when you are found to be at fault.

Liability car insurance is the type of policy that will offer cover to the other parties involved in the accident. The other party involved will submit a claim to you, which can then be sent to your liability car insurance provider. The information will then be reviewed. The provider often works closely with the insurance company from the other party. The two insurance companies will determine who was at fault and determine which policy needs to offer a payment to cover the expenses and damages suffered.

What Does Liability Car Insurance Cover?

While liability car insurance is useful to have, you should understand what is covered and what you will need to pay from your side. There are specific factors that these policies will generally cover, but you should still double-check with the provider you choose. Each provider may have their own rules in place when it comes to determining what elements are covered during an accident.

In most cases, bodily injuries will be covered by liability insurance. If the other party involved in the accident suffered an injury to their body, their medical expenses would be covered by your policy. This, however, is only the case if you are found to be the responsible party in the event.

Some liability insurance providers offer more comprehensive coverage. This is a useful add-on to consider. There are cases where the other party involved may file a lawsuit against you. In this scenario, you would have legal fees to worry about too. With a more comprehensive liability policy, these fees could also be covered.

Property damage liability is sometimes offered with these plans. When you are the cause of an accident, the other party is likely to claim costs associated with the repair of their property from you. Property damage liability policies provide coverage for these costs. The specific features of policies differ, but will generally pay for the repair costs, as well as expenses related to the replacement of damaged parts.

Other types of property damage may also be covered. This may include damage dealt to telephone poles, walls, fences, and other structures as a result of the incident.

How to Find the Right Policy

An abundance of insurance companies offers liability car insurance policies to people throughout the United States. While this does offer an advantage, giving you multiple options to choose from, it can be confusing to navigate as well. When faced with too many options to choose from, making the wrong decision becomes an even bigger risk.

A better way to go about the process is to consider using the services of an agency or comparison service provider. These companies are partnered with multiple insurance providers, making them capable of providing you with multiple quotes to choose from.

The process with OfficialCarInsurance.com is simple and easy to use. Simply give the company a call to talk to an agent or visit the official website. The website gives you the ability to start your online quote in just seconds – start with your zip code to find the offers that are available in your local area.

You can discuss different needs with agents at this company, which helps to create a customized profile for yourself. The profile allows agents at the comparison service provider to deliver quotations based on your unique and individual needs. You can also add extra requirements, such as property damage liability coverage, in a single request.

Experts at this insurance comparison service provider are knowledgeable about state minimums and laws, ensuring you comply with the regulations of your local region while still getting the best deal.

Conclusion

A vehicle accident can sometimes be your fault, even if you drive carefully. In these events, having comprehensive car insurance may not always be enough. Liability insurance provides coverage for the other party. This can help cover unexpected expenses without placing a large bill in your hands. There are different providers available, which is why using a comparison service offers you the greatest benefits. Enter your zip code in the box below to begin comparing rates from different carriers in your area!