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What is Auto Liability Insurance?

Auto Liability Insurance coverage pays for property damage and / or injury to another person caused by an accident in which you are at fault. Most states require this coverage to legally drive your vehicle.



Liability coverage is divided into 2 parts:


Property damage and bodily injury;


-Property damage coverage pays for damage to someone else's property

-Bodily injury coverage provides payment for other people injured in an accident.

We can help you get the coverage you need.

What Does Auto Liability Insurance Include?

Liability coverage includes coverage for property damage and bodily injury.


Property damage covers damage to the other party's property. This could include damage to vehicles, a yard, a utility pole, or other property damaged from the accident. Other things may include:


A rental vehicle while the other person's car is being repaired

Decreased value, the difference between the value of the vehicle if there had never been damage and the value after repairs have been completed

Bodily injury covers injuries sustained by another person as a result of the accident. This can include:


Medical bills

Prescriptions

Lost wages

Pain and suffering



What is Not Covered Under Liability Coverage?


Liability coverage helps cover damages for which you are liable to another party due to an accident. That means it doesn't cover damage to your property or your injuries. Your damages are injuries that are protected under other coverages such as:


Collision

Comprehensive

Medical payments

Personal injury protection


How much does liability coverage cost?


The cost of liability insurance coverage as part of your auto insurance policy depends on many factors. This can include things like how much coverage you select. For example, higher coverage limits can cost more.


Do I Need Liability Insurance?


Yes. Most (not all) states require liability insurance to legally drive your vehicle. Required limits vary by state. in California, you are required to have Liability Insurance.


Liability insurance also helps protect you, up to your limits, by paying for covered damages and injuries in at-fault accidents. These are amounts you may have to pay out of pocket if you don't have enough liability coverage.


How Much Liability Coverage Do I Need?


Liability coverage must be tailored to suit your needs. It is not a one size fits all. Our agents can help you by analyzing a few questions and provide a recommendation.


You can also consider a blanket policy that provides additional coverage for more serious accidents and claims.





How Can I Cover Damages for My Own Vehicle?


In the case of an accident, you will be required to have Full Coverage protection. If you already have Liability coverage, you add Comprehensive and Collision coverage to your policy, which in turn, makes it into a Full Coverage protection.


Can I Add Full Coverage to My Existing Liability Coverage?


The answer is Yes, Please read more on Full Coverage Protection here.

Or call one of our representatives to our office at (323) 203-1801



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