What Is Liability Coverage?
Liability car insurance is a policy that you hope to never have to use. It covers you in the event that you cause an accident and something happens to the other person involved or their property. Without it, you can be left paying thousands of dollars out of your own pocket to cover someone else’s expenses. If you would like […]
Liability car insurance is a policy that you hope to never have to use. It covers you in the event that you cause an accident and something happens to the other person involved or their property. Without it, you can be left paying thousands of dollars out of your own pocket to cover someone else’s expenses. If you would like to learn more about liability insurance and how it can help you, contact Neighbors Insurance Agency. They are a business offering cheap auto insurance in the state of Florida for you.
What does liability cover?
Liability coverage is a specific type of insurance that covers accidents which you cause. There are two subtypes of this insurance: bodily injury and property damage. Bodily injury coverage ensures you are covered in the event that you cause an accident and someone suffers some kind of bodily injury. Property damage covers any kind of damage done to another person’s property in an accident you cause.
The coverage is also set by limits. For instance, you set the amount that you want covered by your insurance per person and then per accident. Thus, if you get into an accident and your coverage per person is $50,000 and your coverage per accident is $100,000 and someone incurs $30,000 in medical bills and needs another $10,000 for repairs on their car, you are covered. If the person’s medicals bills or repairs go over the limits you have set, then you are responsible for it out-of-pocket. This means that you may want to purchase additional coverage and set your limits higher than is required by your state in order to ensure that you are not responsible for a large sum down the line.
It is important to remember that liability car insurance is not for you and your injuries. Liability only covers the injuries and property damage that you cause to someone else. If you want your own injuries and property damage covered you have to purchase a separate policy for that. This means that if you are in an accident you caused and you get injured as a result, you may have to pay on your own if you do not have insurance to cover you.
Where can you find liability car insurance?
Policies and coverage vary by state according to what the state laws are regarding coverage in accidents. To find out more about what the requirements are in Florida, contact Neighbors Insurance Agency. They not only have cheap auto insurance policy options but they have quality service so you can be certain that you get the policy you need at a price you can afford.
A car accident can leave you reeling, especially if you’re at fault. Don’t try to handle it all on your own without any insurance to cover you. If you would like to learn more about liability insurance or you would like to get more information about cheap auto insurance, contact Neighbors Insurance Agency in Florida for quotes.