What Does Liability Insurance Cover 

You’ve probably heard of liability insurance coverage because many states actually require it. So what is liability insurance? The auto liability insurance definition is insurance that provides bodily injury and property damage coverage to the other driver in the event of an accident where you are at fault. You’ll want to know what liability insurance will cover if you’re in a collision in the Merriam area. Contact us or check out this guide to liability insurance coverage and find out what it pays for below.

How Does Liability Insurance Work?

If you are in a collision in a no-fault state, your insurance company will work with the other driver’s insurance company to determine who is at fault. If you are found at fault, and you have liability insurance coverage, your insurance will cover costs for the other driver’s damaged car, minus your deductible, and up to your covered limit. Liability insurance has its own set limits based on how much you pay for your coverage (though the state dictates the minimum limit). What does liability coverage pay for? It provides insurance for the other driver, which includes:

Bodily Injury:

  • Medical and hospital bills
  • Long-term nursing care if needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Replacement parts
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Liability Coverage Limits

You should review your coverage limit options with your Overland Park area insurance agent to determine what’s best for you. The limits can be either split or consolidated into a single limit, the difference being:

  • With a split limit you can select individual maximums for bodily injury payments per person, bodily injury payments for everyone injured, and for all property damage.
  • With a single limit there is no total limit per person, so that the single limit is spread across all bodily injuries and property damages. 

Learn More About Insurance at INFINITI of Kansas City

Bringing home a new vehicle is exciting and something to be proud of, so it’s important to protect yourself, the vehicle, and any other drivers and their vehicles in the event of a collision. Keeping you safe, covered, and informed on Olathe roads and beyond is a priority at our dealership. If you have any other questions about liability insurance or other types of auto insurance coverage, our finance team here at INFINITI of Kansas City is always a resource for you.

INFINITI of Kansas City 39.0030748, -94.6966382.