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If you are at fault in an accident, you may be liable for paying the damages. Auto liability insurance helps pay for damages if you cause an accident and someone else is hurt or their property is damaged. You can get auto liability insurance that meets your state’s minimum standards, but your insurance agent may recommend that you purchase more than the minimum required amount.
Talk with the agents at Auto Insurance Discounters in Kansas City and Independence, Missouri, to find out more about getting suitable amounts of liability coverage for your situation.
Common Auto Liability Insurance Questions:
What Is Auto Liability Insurance?
Liability insurance helps pay to repair or replace someone else’s property that you accidentally damage while driving your car. It also helps pay recovery costs if you injure someone else while driving. In most states, drivers must carry a minimum amount of liability insurance.
Auto liability coverage does not pay for damage to your vehicle or your medical bills after an accident.
How Does Auto Liability Insurance Work?
If you are at fault in an accident and someone is injured or you damage their property, you could liable to for costs associated with repairing or replacing their damaged property and their medical bills. Auto liability insurance helps you pay for those losses. Your auto liability policy provides two types of coverage:
Your agent may recommend that you purchase more than the minimum required amount of auto liability coverage. They may also suggest that you buy an umbrella policy to help cover costs exceeding your policy’s limits.
Get the Auto Liability Insurance You Need
Let Auto Insurance Discounters help you get the auto liability coverage you need today. Contact our agents to get help choosing an insurer from our network of trusted carriers.
Property damage. Any third-party damage, including auto damage, is subject to a limit. Your policy pays for damages up to this limit, after which you are responsible for paying the remainder out-of-pocket.
Bodily injury coverage. This policy pays for medical bills if you injure a third party in an accident. There is a per-person limit and an accident limit. If more than one person is injured, your policy will help pay for each person’s medical bills. If costs exceed the policy's limits, you must pay the rest on your own.