Auto Insurance Coverage: Liability
(Bodily Injury & Property Damage To Others)
Let's face it, if you have an auto accident the costs could be devastating. Not all auto accidents involve just your vehicle. There are many other circumstances that could potentially occur. That's why you should consider Liability coverage. This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury. The bodily injury or property damage must be accidently caused by you or a resident family member while driving your (or any non-owned) car. It also covers anyone else driving your car with your permission. However, this coverage applies only if the driver is considered at-fault and legally responsible (liable) for the damage. Please also note that Liability coverage for property damage does not apply to the damage done to your car or other property you own. This coverage is subject to the applicable policy limit, but deductibles do not apply to Travelers Liability coverage.
Liability coverage may include:
- Claims for medical expenses, lost wages and pain and suffering
- Damage to other vehicles
- Damage to others property such as buildings, walls, fences and equipment
Let's say you're involved in litigation because of the driver's role in an accident. We will also defend you, at our expense, under your Travelers Liability coverage.
Find the Level and Type of Coverage that's right for you.
Most states require that all motorists maintain some form of Liability insurance. Each state has laws regarding how much Liability insurance its residents are required to maintain. Travelers representatives know the minimum requirements for each state, and are ready to help you make sure you have at least the minimum amount of Liability insurance required by your state.
When you select your Liability coverage, you choose limits that determine the maximum amount your policy will pay if there is a covered accident. Limits are generally described either as split limits or as a combined single limit.
An Example of Split Limits:
For bodily injury, split limits describe (1) the maximum payment per person and (2) the maximum payment for all persons injured in an accident.
With bodily injury split limits of $25,000/$50,000, your Liability insurance would pay up to $25,000 for each person injured in the accident up to a total of $50,000 if more than one person is injured in the accident.
If split limits are selected, there is a separate additional limit for property damage. The separate additional limit describes the maximum payment for all damaged property of others in a covered accident. For example, if the separate limit for property damage is $25,000, then the maximum payment for all damage to the property of others in the accident, including their car, would be $25,000.
An Example of Combined Single Limit:
With a combined single limit, one limit is used for both bodily injury and property damage coverage. In this case, there is no specific limit for each injured person, just one limit applicable for all injuries and property damage for which you are found legally responsible.
For example, if you have a combined single limit of $300,000, your insurance company would pay up to $300,000 for all injury-related bills and all property damage costs that resulted from a covered accident.
If you find yourself in a serious accident, you'll want to have enough insurance to cover a judgment against you in a lawsuit, without putting your bank account and other assets at risk. You should choose the amount and type of limits that best suit your needs.
Supplement Your Basic Liability Coverage:
Umbrella insurance is not just for the wealthy, you don't have to be a millionaire to be sued like one. Travelers Umbrella policy broadens your underlying auto, home, or boat coverage. So, if you are involved in a lawsuit, you have the security of an extra $1 million to $5 million in liability protection. To find out more call a Travelers representative or visit our Umbrella coverage page.
or call us at 1.888.695.4625
Disclaimer
This description is for informational purposes only. All statements are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the actual policy. Coverages and discounts are subject to individual insured meeting our underwriting qualifications and to state availability.
