Ensure That You’re Fully Insured
Liability Car Insurance
Liability Auto Insurance – When a car collision occurs, possessing the correct amount of insurance coverage can benefit you specifically, in financial terms, and for legal reasons. With Liability Policy coverage (not to be confused with Collision Insurance Personal Liability Insurance), you can be protected if you’re held liable for a vehicle collision by having any medical expenses for personal injuries suffered to drivers, passengers, and pedestrians, in addition to costs for property damages, covered.
If you end up being lawfully liable because of a collision, liability also helps to cover legal defense fees if you get taken to court.
Components of Liability
There are two main components to Auto Liability Insurance:
- Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income, and pain and suffering.
- Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.
If you’re in a severe vehicle collision, Liability Insurance coverage can benefit you by delivering critical protection against the losses of your home, financial savings, and income. Not only is possessing liability an excellent idea, but most states demand that motorists have it in order to be lawful on the road.
Liability coverage, sometimes known as Casualty insurance, is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction. Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge.
An example of property damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole; liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company), depending on the jurisdiction. An example of bodily injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries.
It is essential to have adequate insurance to manage to keep all of your assets shielded and not all car insurance policies are the same. Contact an agent with SGB Insurance Services Inc. today for more details about what Liability Insurance protection can do for you. We serve all of Riverside County, including our neighbors in Temecula, Murrieta, Menifee, Wildomar, Corona, Fallbrook, Lake Elsinore, Canyon Lake, and San Marcos.
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