What Does Liability Insurance Cover?

Couple looking at touchpad



All states require you to have liability insurance to drive, and Virginia 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 Roanoke, 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.

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 Winston Salem 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 and bad credit financing.

More from Gunter Nissan of Martinsville

  • Exploring 2022 Nissan Kicks Interior

      On the outside, the new Nissan Kicks might look like a simple SUV, but don’t let that fool you! When you step inside this SUV, you will realize that the cabin has everything you need and more to make your commutes around the Martinsville area enjoyable even if you’re stuck in traffic. From the…

  • 2022 Nissan Kicks Fuel Economy

      If you’re a commuter on the lookout for a new SUV, the new Nissan Kicks is probably already on your radar. But why should you take this SUV home? Does the Nissan Kicks get good gas mileage? Yes, actually! Fuel efficiency is definitely one aspect where the 2022 Kicks shine most and it’s easier…

  • 2022 Nissan Altima Interior

    As you’re driving around Martinsville only stopping occasionally for to fill up the tank in a brand new Nissan Altima, you will relax completely while listening to your favorite playlist. With a huge list of amenities and generous Nissan Altima interior dimensions for every passenger, what’s there not to love about this 2022 midsize sedan?…

AudioEye
Search
Contact
Glovebox
AudioEye
Search
Contact Us
Glovebox
Gunter Nissan of Martinsville 36.6295882, -79.8601893.