What Does Liability Insurance Cover?

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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
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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.

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