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Auto liability insurance is required (in most states) insurance coverage that covers injuries or damage to other people or property if you are at fault for the accident. There are two components to vehicle liability insurance that are paired together: Bodily Injury Liability and Property Damage Liability.
Bodily injury liability is required by law in most states. It helps protect you if you or your employees are legally responsible for an auto accident that caused injury or death to passengers in another car. It helps pay the costs of injuries for any passengers in the other car. Keep in mind that bodily injury coverage limits vary by state.
Learn more about Bodily Injury Liability limits and examples.
Property Damage Liability is required by law in most states. It can help pay for repairs if you or your employees destroy another person’s belongings (e.g., vehicle, house, office, store, trees, signs). Additionally, this coverage also pays for legal defense costs if you or your business issued as a result of the accident. Be aware, this coverage doesn’t pay for damage to your own car-Collision Coverage will cover your vehicle.
Learn more about Property Damage Liability limits and examples.
