What Does Liability Insurance Cover?

Though these are separate, each is necessary. This covers expenses from injuries to other people as well as property damage if you, the Las Vegas driver, are at fault. What does liability coverage pay for? The team at Findlay Acura has all of the details.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, each can have their own set limits. The state sets its own minimum limits, but you have the opportunity to set your own limits based on how much you are comfortable with. Here is what is covered by liability insurance:

• 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

Keep in mind that this kind of coverage was designed for the victim of the accident, not the driver at fault. It is also crucial that you remember to set proper limits on your liability coverage that align with how much you’re able to offer.

Liability Coverage Limits

When determining the right plan for you with your North Las Vegas agent, one area that should always be discussed is coverage limits. Limits can either be split, or housed as a single limit. We will explain the difference between the two choices:

• A split limit gives you the chance to choose individual maximums for bodily injury payments per person, for all people injured, and all property damage.
• If you prefer a single limit, there is no total limit per person. When you choose this option, the lump sum is applied across all those injured and all property damaged.

Learn More About Insurance Coverage with Findlay Acura

Before buying a new or used car, you want to think about insurance coverage and financing options. When making your decision, be sure to follow state guidelines and choose coverage that’s appropriate for your needs. We would be glad to answer any questions that you may have, so contact us today.

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