Many people might wonder, “What does liability auto insurance cover?” If you are one of them then you need to know that liability car coverage pays for damages resulting from accidents.
Every state in the United States prescribes certain limits for liability car insurance covers. Therefore, when you are out to buy a liability auto insurance policy, you must first find out the limits prescribed by your state’s car insurance laws. Besides, it is always advisable to get some extra coverage.
Typically, a liability auto insurance policy covers expenses for damages in the form of bodily injuries caused to driver as well as any victims and property damages which are likely to result from an accident involving the car being driven.
In the U.S., driving laws make it mandatory for drivers to secure adequate financial protection to drive vehicles legally on road. To that effect, liability car cover is commonly required in all states and it may comprise of following types.
Each state in the U.S. requires drivers to get some minimum amount of liability car coverage. The limit is a measure of the maximum amount which an auto insurance company will pay for settling any claim. Normally, the prescribed limits for liability car insurance coverage are listed as under although they are most likely to vary from state to state:
The overall cost of a liability auto insurance coverage could depend on a variety of factors. At the time of comparing several free quotes, you must be aware that the below mentioned parameters will determine the level of premium which will be charged:
Liability car coverage does not cover expenses which are likely to result from damages caused to car that is insured as well as bodily injuries caused to the driver during the course of an accident. So at the time of buying a liability vehicle insurance cover, it could be better if a driver also purchases some additional coverage in the form of collision coverage, hospital or medical payments coverage or personal injury protection cover.