What Does Liability Insurance Cover?

Tiny car with insurance documents

If you’ve ever bought a car and heard the term “liability insurance” being used and you didn’t completely understand what it means, then we’re here to clear up the confusion. Simply enough, liability insurance is a two-fold plan that covers bodily injury and property damage. This covers expenses from injuries to other people or property damage, so when you’re driving around Natomas and Roseville, you can rest easy knowing you’re covered if anything happens. Want to learn more? See below for more information.

A few additional things we’re going to cover include:

  • How does liability insurance work?
  • Does liability insurance cover theft in California?
  • What does liability insurance cover in California?
  • What does liability coverage pay for?

How Does Liability Insurance Work?

While bodily injury and property damage fall into your overall liability coverage, each can have its own set limits. Though there are minimum limits set by the state, you can set your own limits based on how much you are comfortable with. Liability insurance covers the following

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

Something that you need to keep in mind is that this coverage is for the victim of the accident, not the driver at fault, so remember that in the unfortunate case, you need to take advantage of this coverage.

Liability Coverage Limits

When setting up your plan with your Sacramento agent, you must discuss coverage limits. Limits can either be split or housed as a single limit. Here’s how that works:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and for all property damage
  • 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

Learn More About Insurance Coverage at Elk Grove Hyundai

By purchasing a new vehicle from us, you have the opportunity to take part in this coverage, and we’re more than happy to help keep you safe when you’re out on the road in Elk Grove. Visit our finance center to see your lease and finance options for your model vehicle of choice and see what liability insurance possibilities are open to you. And be sure to contact us if you have any questions.


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