What Is Liability Coverage in Auto Insurance?
Liability coverage is an important insurance protection. Bodily injury and property damage liability coverages provide compensation for injuries to others, and for the damage your vehicle does to another person’s property if you cause an accident.
What Does Liability Car Insurance Cover?
If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued.
Liability coverage pays for both property damage you caused to another’s property, as well as any bodily injury caused to others as a result of the accident. The following expenses are among the types of damages that may be considered:
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Hospital and medical bills
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Lost wages
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Pain and suffering
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Rehabilitation services
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In-home healthcare services
Liability coverage provides important protection for drivers and most states require drivers carry a minimum amount of liability insurance. Most states require drivers to carry auto liability insurance.
To learn more about auto liability insurance coverage types, contact your local independent agent or Travelers representative and ask about the auto liability insurance that’s right for you.
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A white umbrella. Text, What Is Bodily Injury Liability Coverage? A search bar.
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Bodily injury liability coverage. You might have heard of it, but what is it? Picture this, you're driving to work.
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On the way, you get into an accident with another car carrying three people.
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An animated car rear ends a car in front of it. They both stop. The front of an animated car with a cracked windshield and headlights.
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Unfortunately, all of them are injured.
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That's what bodily injury liability coverage is for.
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If any of the injured people sues you, your coverage provides for a couple of key things. One, your legal defense.
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And two, if you're found responsible, for damages up to the policy limit.
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Here's another important thing to keep in mind. If you're found liable for an accident, your net worth could be at risk.
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The more assets you have, the more coverage you may want.
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For additional liability protection, look into getting an umbrella policy.
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For more answers, go to travelers.com
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Logo, Travelers, Text, travelers.com. Legal disclaimer: The information in the video is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to state availability and to individuals meeting our underwriting criteria. Not all features available in all states. Insurance is under written by The Travelers Indemnity Company and its property causality affiliates, One Tower Square, Hartford, CT. In CA: Auto insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519; State of Domicile CT and Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Umbrella Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT and The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT. In TX, Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumer County Mutual Company (CCM). CCM is not a Travelers Company. Umbrella Insurance is underwritten by Travelers Lloyds of Texas Insurance Company, Travelers Commercial Insurance Company, The Travelers Home and Marine Insurance Company. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. All underwriting companies besides CCM are located at One Tower Square, Hartford, CT 06183.
Copyright 2022 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademark of The Indemnity Company in the US and other countries.
What Is Bodily Injury Liability and What Does It Cover?
Bodily injury liability insurance typically covers the costs associated with injuries you caused to other people, up to your policy limit, in a covered accident. Coverage can also pay for a legal defense if you’re sued for that accident.
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A white Travelers umbrella appears against a red background. A white search engine box appears with the words property damage liability coverage typed into it.
Text, What is property damage liability coverage?
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Property damage liability coverage. You might have heard of it, but what is it? Picture this. You're driving to the store. On the way, you accidentally rear end a stopped car at an intersection. Nobody is injured, but the other car is damaged. That's what property damage liability coverage is for.
Your coverage provides for a couple of key things.
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A red car slams into the back of a stopped black car at a stop light.
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In an animation, there shows a car with a cracked windshield and headlights. An animation of a hand holding money appears. An animation of a court house appears.
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One, damages to the other person's car, if you're responsible for the accident, up to your policy limit. And two, your legal defense if the owner of the other vehicle sues you.
Here's another important thing to keep in mind. If you're found liable for an accident, your net worth could be at risk.
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A boat, house and car appear.
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The more assets you have, the more coverage you may want. For additional liability protection consider an umbrella policy. For more answers, go to travelers.com.
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Logo, Travelers, Text, travelers.com. Legal disclaimer: The information in this video is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to state availability and individuals meeting our underwriting criteria. Not all features available in all states. Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates.
Copyright 2022, The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Indemnity Company in the US and other countries.
What Is Property Damage Liability and What Does It Cover?
Property damage liability coverage is insurance that pays for the damage you cause to other’s property, including vehicles, in a covered accident.
Your local independent agent or Travelers representative can help you understand your state requirements and select the amount of liability coverage that’s right for you. Contact your Travelers representative to get a car insurance quote.
Other Standard Coverages
Personal Injury Protection (or No-fault Insurance)
Uninsured/Underinsured Motorist Coverage