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Liability #CAR INSURANCE Coverage

Liability car insurance is the coverage that pays to repair the damage you cause to other people and their things. Liability just means “responsibility,” so liability insurance protects you when you’re responsible for bad accidents happening. Liability insurance limit amounts are given as three numbers separated by slash marks, for example, 50/100/50. In this case, the first 50 means $50,000 and refers to the amount of bodily injury coverage per person covered by the policy.


Requirements for Liability Car Insurance . Each state sets a minimum for how much liability coverage a motorist must carry. For example, a state might require all drivers to have liability insurance that covers $25,000 for injuries to one person, $50,000 for injuries to multiple people, $50,000 for death of one person, and $10,000 for property damage.

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If you have a car insurance policy with liability limits of $25,000/$50,000/$25,000, your insurance company will pay up to $25,000 for damages to the other driver’s car if a claim is filed. If the damage is more than $25,000, you will be personally liable for paying the rest. Auto liability insurance is a type of car insurance coverage that's required by law in most states. If you cause a car accident — in other words, if you are liable for the accident — liability coverage helps pay for the other person's expenses.


How Much Is Car Liability Insurance? Before understanding what liability auto insurance is, it makes sense to understand what liability is in the first place.The meaning of liability is the legal responsibility for some act, usually in monetary terms. For instance, if you are the perpetrator of a motor vehicle accident, you are liable or will have to bear the liability for a variety of things.


Nearly everyone in the United States needs liability insurance. It is required in 49 out of 50 states (New Hampshire is the sole exception) plus the District of Columbia. In some states, it’s possible for drivers to carry no car insurance beyond basic liability coverage to cover the costs of damage or injury to the other car and its passengers.


There are three key numbers to look out for with liability insurance: coverage for injuries per person, total injury coverage per accident and coverage of property damage per accident. For example, in a state like Ohio, the minimum coverage requirements are $25,000 per person injured with a maximum of $50,000 for people injured in an accident.


There are five basic types of auto insurance: liability coverage, collision coverage, comprehensive coverage, uninsured motorist, and medical payments coverage. Other common types of coverage can protect you if you need to rent a car due to an accident, require roadside assistance, or have to pay off a loan on a vehicle that was totaled.


In car insurance, liability coverage helps pay for the damage you cause in an accident, and the law requires it in most states. You may have heard of BI/PD or PL/PD coverage––the “BI” refers to covering the cost of any bodily injuries you cause, the “PL” refers to your personal liability in the accident, and the “PD” refers.


Liability insurance actually consists of two types of auto coverage: Bodily injury liability protection applies to the medical expenses of the other party if you are found at fault in the accident. In some circumstances, it may even cover lost wages and/or legal fees if the injured party files a lawsuit. Liability car insurance covers bodily injury and property damage Liability insurance coverage protects other drivers from bodily injury or property damage you might cause in an at-fault accident. It is the most basic form of auto insurance and does not cover you or your vehicle in an accident.


Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy. Originally, individual companies that faced a common.


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