You were distracted while backing out of a parking space and didn't
see the car behind you until it was too late. You hit the car and you
crashed through a fence, too. Everyone in the other car seems fine, but
the other driver and his passengers go to the emergency room just to
make sure.
Liability Coverage pays damages due to bodily injury and property
damages to others for which you are responsible. If you're sued, it also
pays your defense and court costs. Medical expenses, pain and
suffering, and lost wages are some examples of what Liability Bodily
Injury may cover. Liability Property Damage covers damage to property
and loss of its use.
How much coverage do you need?
Every state sets a minimum coverage level. Selecting more than the
minimum coverage would increase your cost now but potentially give you
more protection in case of an accident. Since it's impossible to know
the most you'd have to pay if you were to cause an accident that
resulted in bodily injury or property damage, be sure to take some time
and consider whether you'd be able to afford any damages that exceed
your auto insurance coverage. The higher your limits, the more likely it
is that we'll be able to pay all of the damages for you. Limits higher
than the state minimum might be the best choice for you.
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