In most states, auto liability insurance is required. It is a two-fold plan that covers bodily injury and property damage. Even though both of these components are separate, having both is necessary. Liability insurance covers expenses from injuries to other people or property damage if you are at fault for an accident on the roads of Cleveland. So, what does liability coverage pay for? Metro Toyota provides a more in-depth auto liability insurance definition below.
Bodily injury and property damage fall into your overall liability coverage, however you are able to set separate limits for each type of coverage. Keep in mind that there are minimum limits set by the state. As long as you have at least the minimum amount of coverage, you have the ability to set your own limits based on how much you are comfortable with. Here is what is covered by liability insurance:
So, how does liability insurance work? It is coverage is for the victim of the accident, not the driver at fault.
When choosing your plan, you will also need to discuss coverage limits. You have the option to split the limits or house them as a single limit. Here’s how that works:
One of the most important decisions when shopping for a new car is securing the proper insurance coverage. If you have any questions about insurance, our finance department would love to answer them for you. Contact us today.