Auto liability insurance is a must-have auto insurance coverage policy for American drivers
in most states. If you’re involved in an accident, and it’s determined that you’re responsible
for the accident, then you’ll be required to cover the other victim’s expenses.
This auto insurance coverage is meant to protect you from paying for these expenses from
your pocket. However, it’s important to understand that this coverage doesn’t cover your
expenses. Other parts of your auto insurance policy will cover your expenses.
What Is Covered By Your Auto Liability Insurance?
Before selecting what car insurance policy you want, it’s important to ensure it includes
liability coverage. Luckily, the majority of the insurance providers in the market offer auto
Your policy’s liability coverage should include two items: bodily injury liability coverage (also
referred to as ‘BI’) and property damage liability coverage (also referred to as ‘PD’).
● Bodily Injury Liability Coverage – If you’re responsible for an accident where
people sustain injuries, the BI policy will help you cover their medical costs. Whether
your BI covers the entire medical bill will depend on your coverage limits.
● Property Damage Liability Coverage – PD will help you cover the expenses
incurred if someone else’s property was damaged during the accident, including
vehicles. And just like BI, the amount of expenses covered depends on your
What Are the Auto Liability Insurance Coverage Limits?
Whether or not your auto liability insurance policy will cover the entire expenses incurred
depends on your coverage limit. Coverage limit is the maximum amount your insurance
provider is required to pay when a liability insurance claim is filed.
Every American state aside from New Hampshire has put in place a minimum threshold for
In most cases, your insurer will offer you three different types of liability limits in your auto
● Property Damage Liability Limit: It refers to the maximum amount your insurer is
legally required to pay if you’re responsible for the accident that caused property
damage. So, if your property damage liability limit is $50,000, then that’s the most
your insurer can pay.
● Bodily Injury Liability Limit Per Person: It refers to the maximum amount your
insurance provider is legally required to pay to a single person if you’re responsible
for the accident that led to their injuries. So, if your bodily injury liability limit per
person is set at $30,000 per person, then that’s the most your insurance provider can
● Bodily Injury Liability Limit Per Accident It refers to the maximum amount your
insurer is legally required to pay towards the medical expenses of a single accident.
So, if your bodily injury liability limit per accident is set at $100,000 per accident, then
that’s the most that your insurer will pay regardless of the number of accident victims.
You will find that most insurance providers package their liability coverage policies to include
property damage and bodily injury together. And the numbers involved are usually presented
in an abbreviated number.
For example, 30/100/50 represents a $30,000 BI per person limit, $100,000 BI per accident
limit, and $50,000 property damage limit.
What Are the Expenses Covered By Bodily Injury Liability Coverage?
● Medical Expenses: The main component of BI is to cover the medical expenses of
the victims of the accident you caused. This coverage covers emergency care,
medical equipment, follow-up visits, and any other hospital charges.
● Legal Fees: If the victim(s) of the accident you caused decided to file a lawsuit
against you for causing them body injury, this coverage will take care of the legal
costs associated with hiring a car accident lawyer.
● Lost Wages: If the accident’s victim loses their ability to earn an income, then your
insurer will cover the wages they’ve lost.
● Pain and Suffering: Accidents are likely to leave a long-lasting impact on the
victims, such as emotional suffering and chronic pain. These as well should be
covered by your liability coverage.
● Funeral Costs: If the accident resulted in death, the BI could help the victim’s family
cover the funeral costs.
What Are the Expenses Covered By Property Damage Liability Coverage?
● Damaged Property: We’re sure you’re aware that not all car accidents involve other
vehicles. Sometimes the car accident you caused could damage your neighbor’s
fence or mailbox. And your PD can help you cover for the repairs of the damaged
● Damaged Vehicles: Car accidents involving two or more vehicles are highly unlikely
not to have damaged at least one car. Damage could range from a small dent on the
bumper to the car being wrecked. Your PD can help you cover the costs of repairing
or replacing the car.
How Much Auto Liability Insurance Can One Buy?
Generally, the higher the amount you pay for your auto insurance coverage, the more likely
you are to pay for auto liability insurance. At the very minimum, your auto liability insurance
should meet your state’s minimum requirements. In most states, the minimum requirements
are 25/50/25. It means:
● $25,000 BI per person limit
● $50,000 BI per accident limit
● $25,000 property damage limit
However, we believe that the amount you will pay will be influenced by factors like your
policy’s coverage requirements, needs, driving history, and financial resources.
Your coverage may also be determined by the packages that your insurer provides.
We encourage you to purchase a higher auto liability insurance policy since it protects you
from paying for property damages and medical expenses. At the very least, it will help cover
some of the expenses involved.
What Isn’t Covered By Your Auto Liability Insurance Policy?
Auto liability insurance policies don’t cover the damage done to your vehicle during the
accident. Usually, your auto insurance policy will have collision coverage included to ensure
that the damage done to your vehicle will be catered for by your insurance provider.
At the same time, any medical expense you incur will not be covered by your personal
liability insurance policy. Your medical expenses are covered by medical payments
If you want to learn more about auto liability insurance cover, visit our website via this link
https://sanangelo-insurance.com/. Or you can contact our insurance agents who will assist
you with any auto insurance coverage-related queries.
San Angelo Insurance,
1102 N Chadbourne
San Angelo Texas 76903
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