Key Coverage Offered by Auto Liability Insurance

Auto liability insurance is a fundamental aspect of financial protection for individuals. It can offer coverage against claims resulting from vehicle-related injuries or damages for which you may be legally responsible. The two primary components of auto liability insurance are bodily injury and property damage.

What Is Bodily Injury Liability Coverage?

Bodily injury liability coverage is designed to financially protect you if you are found responsible for causing physical harm to another person with your car. This component may help cover third-party medical expenses, lost wages and legal fees associated with the injury. For example, suppose you injure another person in a car accident. In such a case, your bodily injury liability coverage may help cover associated medical expenses and legal fees if they decide to sue you.

This coverage is vital because medical bills and legal costs can escalate rapidly, potentially causing significant financial stress. With bodily injury liability insurance, you can ensure protection against the financial impact of such incidents, enabling you to handle unexpected situations more smoothly.

What Is Property Damage Liability Coverage?

Property damage liability coverage can offer financial protection if you are liable for damaging someone else’s property with your vehicle. For example, this coverage may apply after accidentally hitting a neighbor’s fence with your car.

This coverage can help pay for the repair or replacement of the damaged property and any associated legal costs. Property damage liability is essential because it shields you from the financial burden of repairing or replacing damaged property, which can be costly.

Learn More

Contact B&A Insurance, LLC to discuss your insurance portfolio today. Most states require certain levels of liability insurance for drivers, so ensure you understand your legal responsibility.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.