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Liability Insurance

Vehicle Liability insurance has two components always included together: Bodily Injury coverage and Property Damage coverage.

Vehicle Liability insurance is the basic insurance coverage for injuries or damage to other people or property if you're at fault for an accident.

Are you looking for General Liability insurance?

General Liability insurance is coverage that protects you against financial liabilities resulting from accidents, such as spilling paint on someone's carpet or someone slipping on your floor.

If you cause an accident that injures or even kills another person, the Bodily Injury (BI) portion of your Liability insurance will pay for the related expenses. Bodily Injury will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits you select.

If you cause an accident that damages another person's property, the Property Damage (PD) portion of your Liability insurance will pay for the connected expenses. Property Damage will cover the cost to repair or replace damaged items, including other vehicles, lamp posts, houses or even a pet, up to the limits you select.

Liability insurance also will pay for your legal defense costs if you are sued as a result of your involvement with the accident.

Who needs Liability insurance?

Anyone who drives a vehicle needs Liability insurance. In most situations, Liability insurance is required by law.

For-hire truckers operating under their own authority must have Liability insurance to obtain a filing.

Liability insurance limits and other details

Liability insurance requires you to select limits. These limits determine the maximum amount your insurance company will pay if you need to use the insurance coverage. Limits are described either as split limits or as a combined single limit (CSL).

Split limits are three numbers that describe the following:

For example, if you choose split limits of $15,000/$30,000/$10,000:

With a combined single limit, only one number is used to describe the limits for both Bodily Injury insurance and Property Damage insurance. In this case, there is no specific limit per person, just a total maximum that will be paid for all injuries and property damage you cause in a single accident.

For example, if you selected a combined single limit of $1 million, your insurance company would pay up to $1 million for all medical and injury-related bills and all property damage expenses that you caused in an accident.

Liability insurance example

You can't stop your van in time and rear-end the car in front of you. The other car's bumper is damaged, and the driver has a sprained wrist.

You have a combined single limit of $300,000 for your Liability insurance.

The Bodily Injury component of your Liability insurance would pay the other driver's $1,500 medical bill wrist X-rays. The Property Damage part of your Liability insurance would cover the $1,000 bill to replace the other car's bumper.

Since you chose a combined single limit of $300,000, your total Liability expenses of $2,500 are completely covered by your insurance.

Need vehicle Liability limits above $1 million?

In certain states, we offer liability limits up to $2 million to satisfy the contractual requirements of some employers.

Liability insurance exceptions and restrictions

Your Property Damage insurance limits cannot exceed your Bodily Injury insurance per person limits if you choose a split limit. Other guidelines include:

Multiple vehicles

State minimums

Filings

Radius restrictions

Trailers

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