What Does Liability Insurance Cover?

Chicago drivers wondering, “What does liability coverage pay for?” or “How does liability insurance work?” are in the right place! Read on for a thorough auto liability insurance definition, and then apply for financing to get help along every step of the car buying journey at Sunrise Chevrolet in Glendale Heights, or simply contact us for answers to further questions.

How Does Liability Insurance Work?

Carol Stream drivers wondering, “What does liability insurance cover?” or who are looking for a quick auto liability insurance definition, here’s your answer: liability insurance covers the bodily injury or property damage that you cause to others on the road with your vehicle. Most states require that you have liability insurance to drive, period. So, what does liability coverage pay for?

Bodily Injury

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

Property Damage

• Repair expenses
• Vehicle damage
• Necessary part replacement
• Pets
• General property damage (house, personal property, etc.)

Liability Coverage Limits

When choosing coverage limits with your insurance agent, you’ll have some options: split or single limits. Here’s how that works:

• When you opt for a split limit, you get to select individual maximums for bodily injury payments per person.
• A single limit will spread that money evenly across all of those injured or with damaged property.

Learn More About Insurance Coverage at Sunrise Chevrolet

Addison drivers who remain confused about our auto liability insurance definition or aren’t fully satisfied with our answers to the questions, “What does liability insurance cover?” or “How does liability insurance work?” can call Sunrise Chevrolet at 630-348-8312. If you have further questions about car buying, be sure to explore our site for more helpful car buying tips.