What Does Liability Insurance Cover?

When it comes to auto insurance, many Lawrence, KS drivers often wonder about the auto liability insurance definition. Auto liability insurance, a type of insurance required by law, is a two-fold plan covering bodily injury and property damage. Even though they’re separate, both are legally required. What does liability insurance coverage pay for? Find out below! We’re taking a closer look if you get into an accident in your new Maserati vehicle.

How Does Liability Insurance Work?

Even though bodily injury and property damage are part of the overall liability coverage, each has its limits, with the minimum limits set by the state. Liability insurance covers the following:

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

Remember, this coverage is for the victim of the accident, not the at-fault driver.

Liability Coverage Limits

When setting up your liability insurance coverage near Wichita, KS, you should discuss coverage limits with your local insurance agent. Limits can be split or housed as a single limit. Below is a look at how that works:

• A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and for all property damage.
• With a single limit, there is no total limit per person, the lump sum will be spread across all those injured and all property damaged.

Get More Insurance Coverage Details at Maserati of Kansas City!

If you have any questions about insurance coverage or the buying and leasing process, contact our team today! We want to make sure that your visit with us is enjoyable and efficient.