What Does Liability Insurance Cover?

The definition of auto liability insurance, is a two-fold plan that covers property damage and bodily injury. Although these are separate, they are both legally required in most states. Not sure what liability insurance covers? Auto liability insurance covers expenses from injuries to other people or property damage you cause during your Arlington drives. What does liability coverage pay for? Learn more about how to protect yourself and your new or pre-owned Volkswagen vehicle, below.

How Does Liability Insurance Work?

So, how does liability insurance work exactly? As previously mentioned, property damage and bodily injury both fall under your overall liability coverage. However, each category can have their own predetermined limits. You can set your own limits or keep the minimum limits established by the state of VA. According to the auto liability insurance definition, the following types of damage and injury are covered:

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 (your Washington D.C. house, personal property, etc.)
• Pets

What Type of Liability Coverage Limits Are There?

Are you in the process of setting up your liability coverage plan with a Springfield agent? You’ll want to explore your coverage limits. You can either split your limit or have a single limit. We’ve broken down the auto liability insurance definitions for both for your convenience:

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

Find Out More About Your Insurance Coverage with Alexandria Volkswagen

Do you still have any remaining questions about what liability insurance does and doesn’t pay for? Then you’ll want to reach out to us at Alexandria Volkswagen for further clarification! Our Financiers won’t rest until you’re comfortable, confident, and knowledgeable on the subject of liability insurance coverage!