What Does Car Liability Insurance Cover?

car insurance paperwork with car key

Automotive liability insurance, or liability coverage as its often referred to, is a required coverage in most states. But what is it? How does it work? Simply put, liability insurance covers you against bodily injury or property damage incurred to other people, when you, the driver, cause damage to them during an accident. Liability coverage is distinctive from personal injury protection (which covers damage to your own person), or GAP coverage for yourself. Hyundai of Las Vegas has the details below.

How Does Liability Insurance Work?

Bodily and property damage are both subsets of your automotive liability coverage, and as such, each can have their own set limits. Most states offer minimum limits, but most Henderson drivers choose to increase these limits for their own financial protection. So how does liability insurance work? It covers these things:

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

Auto liability insurance definitions aside, you should remember that this coverage covers the injured party(ies) in an accident when you are at fault. It, then, helps protect you against being held liable for such damages.

Liability Coverage Limits

Talk to your North Las Vegas insurance agent, and they’ll likely tell you that there are both split-limit and single-limit liability insurance options. Here’s a little bit about each type of coverage policy:

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

Learn More About Insurance Coverage at Hyundai of Las Vegas

Now that you know a bit more about what liability insurance pays for, if you’re interested in all kinds of other finance & insurance tips and information, we invite your to reach out to us with questions or check out our vehicle protection packages.


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