What Does Liability Insurance Cover?

couple at home looking at touchpad

Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage. This is different from gap insurance, which covers just the vehicle. This coverage for property damage and bodily injury is required. It is necessary to cover expenses if you are at fault in an accident on the East Baton Rouge roadways. So, what does liability coverage pay for? Let’s take a closer look at what liability coverage actually entails.

How Does Liability Insurance Work?

Although bodily injury and property damage are included in overall liability coverage, you are able to set separate limits for each. Depending on what you are comfortable with, you can determine the limits for your coverage. However, keep in mind that there is a minimum level of coverage set by the state. The following is covered under your liability plan:

  • Bodily Injury
    • Medical and hospital bills
    • Any long-term nursing care that may be needed
    • Pain and suffering
    • Rehab
    • Lost earnings
    • Funeral expenses in the event of a fatal accident
  • Property Damage
    • Repair expenses
    • Pets
    • Vehicle damage
    • General property damage (house, personal property, etc.)
    • Necessary part replacement
2019 mdx driving on highway

Another important factor to keep in mind is that liability coverage protects the victim of the accident, not the driver at fault. You also want to make sure you set limits on your liability coverage that align with how much you’re able to offer in the event that an accident occurs.

Liability Coverage Limits

When setting up your plan with your Ascension agent, you’ll have to discuss coverage limits. Limits can either be split, or housed as a single limit. Here’s how that works:

  • You are able to select individual maximums for bodily injury payments per person, for all people injured, and all property damage if you opt for a split limit.
  • There is no total limit per person with a single limit. In addition, a lump sum will simply be spread across all those injured and all property damaged.

Learn More About Insurance Coverage at Acura of Baton Rouge

After purchasing your next vehicle, securing the proper insurance coverage is a must. If you have any questions about the financing process and your available insurance options, the team at Acura of Baton Rouge would be glad to help. Stop by the dealership near Ascension, or contact us at your convenience.

Explore Our Models

  • 2021 Acura ILX Dimensions

    The 2021 Acura ILX not only has a striking exterior that is sure to impress you, it boasts some incredible space inside of this sedan. Not only does the Acura ILX have a great deal of length, but it also has plenty of space for running errands around East Baton Rouge. Whether you need plenty of cargo…

  • Explore the New the 2021 Acura TLX

    If you’re looking to take on East Baton Rouge roads behind the wheel of a stunning luxury sedan, then the 2021 Acura TLX lineup delivers on all fronts. With a great selection of luxury packages with top technology, performance, and safety capabilities, there’s a configuration perfect for your family with the new 2021 TLX. Learn more about…

  • 2021 Acura RDX Towing Capacity

    There’s lots of reasons to take the 2021 Acura RDX out for a test drive in Baton Rouge. Between its luxurious interior to zippy performance, this SUV has some of the most exciting features of any 2021 vehicle. One highlight of this vehicle’s capability is the 2021 Acura RDX towing capacity, which goes up to 1,500…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

225-435-8060

Call Now

13550 Airline Hwy • Baton Rouge, LA 70817

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7:30am-6pm

Open Today! Parts: 7:30am-6pm

Acura of Baton Rouge 30.3731452, -91.0337258.