Auto liability is a type of car insurance coverage that’s required by law in most states. It includes bodily injury and property damage coverage. If you cause an accident — which means you are liable for the incident—liability coverage helps pay for other personal expenses, such as medical bills and property damage.

Auto liability coverage is a must in any driver’s policy. There are two types of auto insurance: bodily injury and property damage. In many states, it is important for the drivers to have both forms of protection on their policies before they can drive legally!

What Is Covered By Liability Insurance?

Liability insurance is a type of policy that protects the holder from paying for the damage they may have caused. It also helps pay to repair another person’s property or medical bills if the insurer is found responsible for causing them.

Auto liability insurance helps in covering another person’s medical expenses and property damage via these two types of coverage:

Bodily Injury Liability Coverage 

If you’re part of an accident that leads to injuries, bodily injury liability can help cover the expense. For example, this coverage may provide a source for payment for your victim’s X-rays and treatment without requiring any money out of pocket from yourself.

Property Damage Liability Coverage 

Property damage liability coverage is a good type of insurance because it can help you avoid paying for the repairs yourself. For example, suppose you cause an accident that damages someone else’s property (their car, for example). In that case, this coverage helps provide payment, so they don’t need to go out-of-pocket and potentially put themselves in debt due simply to your neglectful actions on the road!

We hope this blog post was helpful for you. If you want to know about how much property damage liability you should have, then click here


Is bodily injury and property damage full coverage?

Bodily injury liability coverage is required in most states and pays for medical expenses and other damages that may be incurred. Property damage liability insurance will also cover the cost of repairs to property if you are found at fault by a court or jury.

What insurance covers property damage?

Property damage liability coverage protects you against lawsuits if, say, your car gets into an accident and damages someone else’s property. It is required by law in most states!

What is the common bodily injury coverage?

Low Bodily Injury Liability Limits are set at $15,000 for the death or injury of any one person. If you happen to be injured in an accident and somebody else is killed, your coverage pays up to a total of $30,000 when two people die as part of 1 event.

What damage does car insurance not cover?

When you purchase car insurance, make sure that the policy covers your vehicle against all types of damage. Minimum coverage simply provides liability for injuries and property damages to others; it doesn’t cover any other expenses related to an accident on the road.

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Dane is our Senior Writer and has been with the team for five years now. He graduated with a Bachelor of Arts degree major in English and has helped us hone new writers into creating valuable content for our readers.