Liability Coverage

What is Automobile Liability Insurance?

Most, if not all, states require drivers to carry minimum amounts of liability insurance to cover the cost of damage to individuals or property in the event of an auto accident. The price associated with liability insurance is usually included in a typical auto insurance quote that can be obtained directly online or through a local insurance agent. Despite the cost of liability insurance, drivers truly can’t afford to forgo this essential coverage. With growing costs associated with automotive repair and legal expenses, one accident can easily surpass even the maximum limits.

Auto Liability Insurance Specifics

Many drivers underestimate the importance of auto liability insurance until it becomes necessary. Whether a driver is involved in a simply fender bender or a multi-car pile up, auto liability insurance can protect your assets and provide peace of mind. Auto liability insurance covers injuries and property damage suffered by other drivers, passengers of the insured vehicle and claimant vehicle and property damage to other items, such as road signs, fences, etc.

In fact, many auto insurance policies separate liability into two sections: bodily injury liability and property damage liability. While Bodily Injury liability helps pay for costs to other parties, such as medical expenses and loss of income, property damage helps cover the cost to repair or replace the vehicle and property of others.

Bodily Injury Liability can usually be described in either a split limits format or a combined single limit. Split limits offer a separate limit per person and per accident, while a combined single limit offers one ultimate coverage limit for an occurrence. Both Bodily Injury and Property Damage Liability pay for the costs incurred by other parties in an accident.

How to Filed a Claim Against Auto Liability Insurance

Typically, an auto liability claim will be filed by a claimant. The other party’s insurer will contact your insurer, and the two will collaborate to work out a fair settlement for Bodily Injury and Property Damage.

Similarly, if you were involved in an accident that was not your fault, your insurer will contact the insurer of the other party in an attempt to recovery any applicable compensation for the accident.

Regardless of which party is at fault, notifying your insurer that you have been involved in an accident as soon as possible is necessary. One of the conditions that many insurers include in their insuring agreement is the requirement to notify them of an accident promptly. This allows more time to prepare for an accident that is larger in nature and to secure adequate legal counsel, if necessary

What Auto Liability Limits are Legally Necessary?

The minimum coverage limit for automobile liability insurance that is required for drivers varies by state. With the exception of the state of Florida, all states require drivers to carry some form of Bodily Injury coverage. This helps to keep auto insurance rates stable and provides coverage for individuals who are injured in an accident.

Many states also place limits on the amount of coverage necessary. For example, drivers are often required to have as much property damage coverage as they do bodily injury. Synchronization of auto benefits helps to ensure compensation for all parties involved in an accident.

What Auto Insurance Liability Limits are Adequate?

While many individuals select the lowest limit of auto liability coverage required by the state, it may be beneficial to select the highest affordable limits. If a third party initiates a lawsuit against you for the cost of injuries or property damage, financial expenditures can increase quickly and drastically. In order to preserve the well-being of your family, it is a good practice to purchase the highest limits of liability that you are able to comfortably afford. This will allow you to drive with peace of mind that your insurer will be able to adequately cover substantial liability losses and provide essential defense coverage, should the need arise.

How to Obtain a Quote for Auto Liability Insurance

Auto liability insurance is quoted as a package, along with other selected coverage options such as Medical Payments, Physical Damage Coverage, Uninsured and Underinsured Motorist Coverage, and more. The fastest and easiest was to obtain a quote for auto insurance is by visiting By comparing various types of auto policies with different coverage limits and deductibles, you can determine the type of auto insurance policy that best meets your legal and financial needs. allows you to select different bodily injury liability coverage and property damage liability coverage, as well as the cost of the policy. You can compare policies to see which one offers the best value for money. Typically, each different coverage within a policy can be broken down into a more understandable form.

What to Look for in an Auto Liability Insurance Policy

The key tenant to purchasing adequate auto insurance is to not buy based on price alone. The coverage that is provided, the reputation of the insurance company and the underlying limitations will become crucial in the event of a claim. Determining any downfalls beforehand is important.

Auto insurers typically offer a variety of services, including payment plans, discounts and package pricing. All of these options can be utilized to make the price of adequate auto insurance more affordable. Inquiring about potential discounts and payment options can help ease the financial burden of purchasing higher liability limits.

Purchase an Auto Liability Insurance Policy Today

The first step in purchasing auto insurance that is just right for your family is to visit Here you can compare policy coverage, review pricing options and find out more about the various insurance providers.

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