Liability Insurance: How Does It Work For You?

car insurance

Liability insurance is a plan that covers both bodily injury and property damage in case of a car crash. This insurance plan is required by law in most states for new and used cars, but what exactly does liability coverage pay for? Many of the customers who visit our Los Banos dealership ask about this when upgrading vehicles. Being that insurance is one of the most important things that are associated with your vehicle, you should know all about it. 

When asked what does liability insurance cover, if you’re at fault in the car crash, liability insurance covers all of the bodily and property damage. These property damages can be fixed at our service center! But if you want to delve deeper into how does liability insurance work and the auto liability definition, use this guide put together by the specialist at our finance department. Contact us at our dealer near Dos Palos today for more information!

How Does Liability Insurance Work? 

Both bodily and property are your responsibility and fall under your liability insurance in Gustine. As all insurance plans have limits, you can set yours when signing off on the plan. Check out what does liability insurance cover pay for below:

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

Liability Coverage Limits

When signing off on liability insurance, you can choose to split bodily and property cover in two or join as one. When buying liability insurance in the Newman-area, how does liability insurance work:

  • 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 Liability Insurance at Western Motors Los Banos 

Learn how does liability insurance work and what does liability insurance cover with our financial specialist at our Western Motors Los Banos today. At our Los Banos location, we’ll give you a rundown of what it covers and how it can benefit you today!

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