What Does Liability Insurance Cover?

Closeup of man signing a contract of car sale.

In the unfortunate event of an accident in which you are found at fault— or in other words, found liable— liability insurance coverage pays for the expenses incurred by both bodily harm and property damage of the other person/vehicle involved. Both elements of what liability insurance covers— bodily harm and property damage— have their own set limits. Most minimum limits are determined by state law, but you can increase those limits for your own peace of mind while driving a new Land Rover on Cincinnati roads. Read on below for more information on what liability insurance awards the other person involved in the accident.

  • Bodily Injury Coverage
    • Medical and hospital bills
    • Long-term nursing care that may be needed
    • Physical rehabilitation
    • Pain and suffering
    • Lost earnings
    • Funeral expenses in the event of a fatal accident
  • Property Damage Coverage
    • Vehicle damage
    • Repair expenses (like services available at Land Rover Cincinnati)
    • Necessary part replacement
    • General property damage (house, personal property, etc.)
    • Pets

Structuring Your Liability Coverage Plan

There are two ways to structure your liability insurance coverage: a split limit or a single limit. A split limit allows you to set individual, separate limits for the other person involved, all persons involved (like other passengers), and property damage. A single limit, as you may have guessed, is a grand total dispersed across bodily injury expenses and property damage expenses.

What Doesn’t Liability Insurance Cover

As discussed, liability insurance covers the other party involved in an accident you caused. Because of this, it’s important to be aware that it does not cover damage to your own body or vehicle. To be sure you’re also properly covered, talk to your Mason agent about your collision and medical payments coverage options. With coverage for both you and the other party involved, you can relieve the financial stress of an accident and focus better on your health and recovery.

Get More Car Buying Tips Land Rover Cincinnati

When it comes to buying or leasing a new vehicle, we want to make sure you’re armed with the knowledge to make it a smooth process. If you have any other questions about getting car insurance near Fort Mitchell, KY, GAP insurance, your financing options, or our newest inventory of Land Rover models, please don’t hesitate to stop by or contact us.

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