What Does Liability Insurance Cover?

liability insurance

Almost all states require liability insurance by law. However, despite the fact that it’s so common, plenty of drivers are in the dark about its actual purpose! If you’ve ever wondered, “What does liability insurance cover?” you’re certainly not alone. In short, liability insurance protects other drivers against bodily injury and property damage which you may have caused.

Even if you’re a great driver, making sure you’re covered is the neighborly thing to do near Fairfax and Vienna. Learn a little more about your options with Stohlman Volkswagen!

What Does Liability Insurance Pay For?

The simple auto liability insurance definition given above should give you a pretty clear idea of what this sort of protection is supposed to do. However, we’d understand if you were still a little shaky on the specifics.

So, what does liability coverage pay for? Although precise details will vary in accordance with the plan that you select, almost all plans will cover each of the following:

  • 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

Ultimately, when you’re considering liability coverage, the most important thing to remember is that it covers the victim in the accident, not the person who caused it. If you want to make sure that you can repair your own vehicle in the event that you cause a collision, you’ll need to add more coverage.

How Does Liability Insurance Work?

When you’re setting up your liability coverage near Washington D.C., you’ll often have the option to choose between a single limit or a split limit:

  • A single limit protects other drivers and their properties with a single lump sum. Rather than setting a limit for each contingency, you’re plan will have a certain set dollar amount that it paid out in the event of any collision. In the event that multiple parties are injured, it will be spread out evenly between them.
  • With a split limit, you can set individual maximum amounts to be paid out per person. You can also set a maximum payout for all parties injured, and you can add a third maximum for payouts due to property damage. Many drivers prefer the increased flexibility offered by split limit liability coverage.

Get More Finance and Insurance Tips from Stohlman Volkswagen!

If you’re getting ready to finance or lease a new vehicle, you’ll want to go over all of your options carefully. If you’re ready to continue your research, Stohlman Volkswagen has you covered with more finance and insurance tips for your life near Tysons Corner. Why not start by learning a little bit about secured car loans, gap insurance, or used car leasing. While you’re at it, find out what counts as good mileage for a used car!

If you’re ready to get behind the wheel of a new Volkswagen, then contact us today to set up your test drive!

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