What Does Liability Insurance Cover?

Couple looking at touchpad

All states require you to have liability insurance to drive, and %%di_state%% is certainly no exception. But just what does cheap liability only insurance cover? What is the auto liability insurance definition? Liability insurance covers bodily harm and/or property damage done to another person or vehicle in the event that you cause an accident.

To find out how liability insurance impacts your drives through Danville and Reidsville, NC, our team at Gunter Nissan of Martinsville has answered, “what does liability insurance cover?” and more FAQs below.

How Does Liability Insurance Work?

Every state has its own minimum amount of bodily injury coverage to ensure that parties are covered in the event of a serious accident. Be sure to review coverage with your provider to make sure your needs are being met. While cheap liability only car insurance may cover you legally, you want to ensure that your coverage fits your budget and lifestyle completely. Liability Insurance covers:

Property Damage: 

  • Replacement parts
  • Repair expenses
  • Vehicle damage
  • General property damage (house, personal property, etc)
  • Pets

Bodily Injury: 

  • Medical and hospital bills
  • Long-term care (if needed)
  • Rehab
  • Pain and suffering
  • Lost earnings
  • Funeral expenses in the event of a fatal accident

The coverage offered under liability insurance is for the victim of the accident, and does not cover the driver that caused the accident. This is important to remember when picking your insurance in Greensboro, NC.

Coverage Limitations

So what does liability coverage pay for, and how does it pay out? While you must reach a bare minimum for coverage to legally drive, you can choose to increase that limit for more coverage. Coverage limits can be split or consolidated depending on what your budget and lifestyle requires. Browse the differences below:

  • Split coverage allows you to select individual limits for bodily injury payments per person or for property damage done.
  • Consolidated limits covers all injured parties the same, without the option to split up costs based on the individual injury or property damage.

You can always ask our team our opinion, but you should always be sure to go over coverage with your Martinsville-area insurance agent. If you’re curious about comprehensive general liability insurance, don’t hesitate to contact us today.

Learn About Insurance Coverage With Gunter Nissan of Martinsville

Are you still unclear on what does liability insurance cover? Contact Gunter Nissan of Martinsville today! Our finance team would be glad to help you learn more about popular options for Rocky Mount drivers. Whether you’re looking for the auto liability insurance definition, or want to check out our selection of new Nissan we’re here to help! We’d also love to help you learn about Nissan origins.

More from Gunter Nissan of Martinsville

  • 2020 Nissan Altima MPG

    If you need a sedan that’s just as efficient as it is advanced, then the Nissan Altima is sure to excite. While Nissan Altima MPG can vary depending on your trim and options, you can experience up to 28 city mpg and 39 highway mpg when it’s properly equipped. Just how does the 2020 Nissan…

  • Christmas Activities Near Ridgeway

    Whether you like ice skating and wine tastings, or a relaxed tree-lighting event with family, you’ll find Christmas activities in Martinsville that are just the right speed. Read on for our favorite events near Martinsville that will set the mood for your celebration. Contact Us New Inventory Hickory Hill Holidays in Martinsville We love that…

  • 2020 Nissan Maxima MPG

    Just because the 2020 Nissan Maxima is the 4-Door Sports Car® doesn’t mean it can’t help you save on fuel. In fact, Nissan Maxima gas mileage reaches up to 20 city mpg and 30 highway mpg.* And with its strong engine that generates 300 hp, you’re sure to enjoy spirited drives through Martinsville and Reidsville, NC….

Saved Vehicles ×


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us ×


Call Now

4760 Greensboro Rd • Ridgeway, VA 24148

Get Directions

Today's Hours:

Open Today! Sales: 8:30am-7pm

Open Today! Service: 7:30am-5:30pm

Open Today! Parts: 7:30am-5:30pm

Contact Us

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.
  • This field is for validation purposes and should be left unchanged.

Gunter Nissan of Martinsville

4760 Greensboro Rd Ridgeway, VA

Phone: 276-595-1094



Phone: 276-956-7374

4760 Greensboro Rd Ridgeway, VA


Phone: 276-956-7319

4760 Greensboro Rd Ridgeway, VA


Phone: 276-956-7373

4760 Greensboro Rd Ridgeway, VA
36.6295882 -79.8601893
[schema type="organization" orgtype="LocalBusiness" url="www.gunternissan.com" name="Gunter Nissan of Martinsville" description="" street="4760 Greensboro Rd" city="Ridgeway" state="VA" postalcode="24148" country="United States" email="Cindy.Hundley@gunterauto.com" phone="276-595-1094" logo="https://di-uploads-pod12.dealerinspire.com/blueridgenissanofmartinsville/uploads/2019/03/GunterNissanAutomotiveOGImage.png"]
Gunter Nissan of Martinsville
Gunter Nissan of Martinsville
4760 Greensboro Rd
Ridgeway, VA, 24148 United States
Gunter Nissan of Martinsville 36.6295882, -79.8601893.