What Does Liability Insurance Cover?

Insurance Agent Examining Car After Accident


What is liability insurance and how can it be beneficial to your on your Louisville, KY travels? Auto liability insurance is a plan that covers both injury and property damage in the even of an accident. This insurance plan is required by law in most states, so be sure to obtain legal limits required as a minimum for your coverage. So what all does liability coverage pay for and where can you get it? Learn more with the experts at Don Franklin Auto and then explore our inventory of great vehicles for sale!

How Does Liability Insurance Work?

Since the auto liability insurance definition includes coverage for property damage and bodily injury, each category also has is own set limits. Along with having the minimum amount of coverage required by the state, you can even set higher limits based on your preference. Auto liability insurance covers the following items:

What Does Liability Insurance Pay For?

Bodily Injury

  • Medical and hospital bills
  • Any long-term nursing care that may be needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Necessary part replacement
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Liability Coverage Limits

You’ll also want to ensure you speak with an agent regarding coverage limits which can either be split, or housed as a single limit, as seen below:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Explore More About Insurance Coverage at Don Franklin Auto

Now that you know more about the auto liability insurance definition and coverage, take the next step to find your Somerset, KY and Russel Springs, KY ride. Find more auto finance information at Don Franklin Auto and see how you can save when you explore our new vehicle specials. Our sales team is always here if you have any questions. Contact us today for more information or stop by our dealership here in Lexington!

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