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 liability coverage.
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 coverage limit.

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 coverage limits.
In most cases, your insurer will offer you three different types of liability limits in your auto insurance policy:
● 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 pay.

● 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 property.
● 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 coverage.
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
3256582790

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