What Does Liability Insurance Cover?

No driver wants to think about getting in an accident in Onalaska, Sparta, or anywhere else. However, should one occur and it’s your fault, liability coverage prevents you from paying out-of-pocket. We go over the auto liability insurance definition in this post to help you learn more about this important type of coverage, including how liability insurance works and what it pays for. If you have questions about auto liability insurance at any time, please contact us! The team at Morrie's Onalaska Chevrolet is here to answer all of your automotive-related questions. 

How Does Liability Insurance Work?

Any dictionary’s auto liability insurance definition will likely mention that it is required by most states. It pays for personal injuries and property damage from an accident that was your fault, which keeps your out-of-pocket costs low or non-existent. What does liability coverage pay for, exactly? It provides coverage for the following: 

Bodily Injury

• Medical and hospital bills
• Any long-term nursing care that may be necessary
• Funeral expenses in the event of a fatal accident
• Lost wages
• Rehab
• Pain and suffering

Property Damage

• Repair costs
• Necessary part replacement
• Vehicle damage
• General property damage, such as damage to a house or other personal property
• Pet injuries

Liability Coverage Limits

When purchasing auto liability coverage, your insurance agent in Onalaska, La Crosse, or the surrounding areas will ask you about coverage limits. There are two main types of limits, split and single: 

• Split Limit: A split limit allows you to set up to three liability limits: a limit for each person injured in a vehicular accident, a second limit per accident, and a third limit for property damage per accident. 
• Single Limit: A single limit features one liability limit that applies to all injuries and damage from an auto accident. 

Think about what you can reasonably provide before choosing a coverage limit. Remember, liability insurance is for the accident victim to cover any injuries they sustain, as well as any damage to their vehicle or other property. 

Learn More About Auto Insurance Coverage at Morrie's Onalaska Chevrolet

If you have more questions concerning “How does liability insurance work?” and “What does liability coverage pay for?”, please let us know! Call (608) 433-9925 or reach out online and a friendly team member will assist you. For more helpful info, review our owner benefits and learn about the advantages of OEM parts!