What Does Liability Insurance Cover?

Tiny car with coins and finance paperwork
 

Everyone needs liability insurance in Milledgeville and Macon, but many drivers have questions on just what this insurance entails. What does liability insurance cover? How does liability insurance work? What is it anyway? Auto liability insurance, by definition, includes all bodily injury and property damage for which you are at fault. Not only is this crucial for financial protection, but it’s also required by law. Find out more about how liability insurance works, and be sure to visit our finance center with any questions.

 

 

How Does Liability Insurance Work?

Let’s say a driver gets into a fender bender in Gray, causing damage to another vehicle. Liability insurance will cover the property damage to the other car. This might include the costs of repair service or even part replacement. However, your coverage might not cover everything. The state sets minimum limits, but you can also choose to get coverage above and beyond the minimums for added peace of mind.

What Does Liability Insurance Pay For?

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

What Does Liability Insurance NOT Cover?

Though every driver is required to have liability insurance, not every liability insurance package is the same. Every liability insurance package must cover the victims of accidents for which you are at fault. That means the victim, and not you, will receive the compensation for any collisions. But, different insurance options will cover different amounts of compensation. It’s important to know the terms of your liability insurance, so you get the level of coverage that makes you the most comfortable. Be sure to speak with our finance experts in Milledgeville to learn more!

Learn More about Your Insurance Options at Hyundai of Milledgeville

Do you have more questions about how liability insurance works? Want to know more about comprehensive coverage or gap insurance while you’re here? Contact us at any time, and check out our car buying tips. We’d love to help you find the right coverage for your wants and needs!

 

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2520 N. Columbia St, Milledgeville, GA, 31061
Hyundai of Milledgeville 33.115008, -83.260530.