Liability Insurance Coverage
- Financial protection for accident-related medical care and lost wages you caused to others
- Accident-related legal fees incurred by you
- Coverage to help protect you from unexpected losses related to damages you caused to others' property
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What liability insurance coverage?
Liability insurance helps protect you from financial losses associated with injuries and property damages you caused to others.
How Liability Insurance Helps Protect You
Liability insurance helps protect you if you’re at fault in an auto accident and responsible for resulting expenses. Bodily injury liability insurance helps cover injuries, lost wages and legal fees related to third-party injuries. Property damage liability insurance helps pay for damages to others' belongings, such as their car and fence.
Did you know?
At-Fault Accidents with a Pedestrian
A jogger darts out in front of your car while you're driving to work. You slam on your brakes immediately but bump into them, and they sustain minor injuries. Bodily injury liability insurance can help cover the pedestrian's resulting injuries when you’re at fault in an accident.*
Defense Costs and Medical Expenses
You rear-end the car in front of you, and the driver sustains neck injuries. Unfortunately, they need long-term care and sue you for their pain and suffering. Bodily injury insurance can help cover the other driver's injuries and any associated legal fees you may incur.*
At-Fault Damages to Others' Property
You're in a rush and accidentally hit your neighbor's car when backing out of your driveway one morning. Property damage liability insurance helps pay for repairs up to your coverage limit.*
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.