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What Does Liability Insurance Cover?

Auto liability insurance is a two-fold plan that covers bodily injury and property damage, which are both required by law in most states. Having this means the expenses of injuries and damages that occur if you are at fault, are covered. What does liability coverage pay for? Let the Wolfchase Nissan finance center near Arlington answer your questions. Learn more about liability insurance with the Nissan finance team at Wolfchase Nissan.

How Does Liability Insurance Work?

While both property damage and bodily injury fall into the overall liability coverage, each has their own limits. And since they are required in most states, you must have the minimum limits set, however, you can set your own limits based on what you’re comfortable with. Liability insurance covers:

  • Bodily Injury
    • Medical and hospital bills
    • Any long-term nursing care that may be needed
    • Funeral expenses in the event of a fatal accident
    • Rehab
    • Pain and suffering
    • Lost earnings
  • Property Damage
    • Repair expenses
    • Necessary part replacement
    • Vehicle damage
    • General property damage (house, personal property, etc.)
    • Pets

Keep in mind that this type of coverage is for the victim of the accident, not the driver at fault. You’ll also want to be sure you set the proper limits on this coverage to align with how much you’re able to offer in the event of an accident.

Liability Coverage Limits

You should discuss your plan setup with your Memphis agent to figure out your coverage limits. These limits can either be split or set as a single limit. Here’s what each means:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Learn More About Insurance Coverage at Wolfchase Nissan

No matter whether you’re purchasing a new or used vehicle, you’ll need to consider your liability insurance options. Visit us at Wolfchase Nissan to learn more about all available financing, leasing, and auto insurance options. Follow the state guidelines, select your coverage, and be sure to contact us with any questions.

Wolfchase Nissan 35.2058081, -89.7909506.