Two Main Parts of Liability Coverage
- ✓ Bodily injury liability helps cover costs tied to injuries suffered by others, such as medical expenses or related damages.
- ✓ Property damage liability helps cover damage the driver causes to another person's vehicle or property.
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Why Limits Matter
State minimum limits are often enough to satisfy legal requirements, but they may be too low to fully protect assets after a serious accident. Many drivers choose higher limits for stronger financial protection.
Choosing Your Liability Limits
Drivers should consider their assets, income, and exposure when selecting limits. The cost difference between minimum limits and substantially higher protection is often smaller than expected.