Auto liability coverage is a must.

Liability coverage pays for damage that you cause to others in an accident. It is made up of 3 separate components: bodily injury (each person), bodily injury (each accident) and property damage. So basically, liability insurance is used for any situation in which you are found liable for damage caused to someone else.

Bodily injury liability insurance covers the cost of any injuries, or death, of a person as a result of an accident you cause. This coverage would come into play if it was determined that you caused someone loss of income, medical and/or hospital bills and pain and suffering.

In the event you are in an accident that results in a lawsuit, it is important to have liability coverage to handle any judgment charged against you. It is important to note that bodily injury insurance covers the victims of the accident, but it does not cover your medical bills. Keep in mind that any expenses incurred that exceed your coverage limits, you can be held personally responsible for - that means out of pocket - so it is extremely important to carry enough liability coverage.

Property damage liability insurance covers damage that you cause to the property of others. If another driver's property is damaged in an accident where you are at fault, property damage coverage can help pay for things like repair or replacement of stationary objects (fences, mailboxes, etc.) or vehicle repair or replacement costs. Again, any expenses incurred that exceed your coverage limits, you can be held personally responsible for - that means out of pocket - so it is extremely important to carry enough liability coverage.

How much liability insurance is necessary?
If you purchase the minimum level required in your state you may not have enough coverage in the event of a major accident. We advise purchasing the most auto liability insurance coverage your budget can afford. It is inexpensive compared to the coverage you gain.