What Types of Liability Coverage Does My Auto Insurance Policy Have?

The liability portion of your auto insurance policy in Senatobia, MS, contains some of the policy’s most essential coverage. These core coverages protect your financial assets if you are at fault in an accident. Storey Insurance can help you select a policy that will fully protect you.

Bodily Injury Liability

If people sustain injuries in an accident in which you are found liable, this portion of your policy covers medical treatment. Bodily injury liability has a listed limit per person and per incident. This provision covers emergency medical bills, hospital stays, follow-up treatments, physical therapy and medications for drivers or passengers in the other vehicle, along with injured pedestrians. Additional benefits cover lost income and wages if the injured individual cannot work because of the accident. Other coverage includes compensation for pain and suffering and your legal defense fees if another party sues you.

Property Damage Liability

If you lose control of your vehicle and damage someone else’s property, this portion pays for costs associated with that damage. This provision covers repairs or actual cash value replacement for the other driver’s vehicle, possibly including the cost of a rental car while theirs is in the shop. It also covers stationary property. If you slide or swerve and take out a mailbox, smash through a guardrail, take down a utility pole, or damage a storefront, this portion of your policy will cover those damages and related bills.

Understand your liability limits by reading your policy. You’ll see several figures for both bodily liability and property liability. Both indicate per person and per incident. iIf you don’t understand how these figures work, the expert staff at Storey Insurance can help. Schedule an appointment to discuss your auto insurance policy at our Senatobia, MS, office, and learn about your various liability options.