What Does Liability Insurance Cover?

A pair of glasses and a pen are sitting on top of an insurance document.

How does auto liability work? The general auto liability insurance definition is that it provides coverage if you get into an accident on the roads of St Cloud and you’re at fault. What does liability coverage pay for? Learn more about the specifics of liability insurance with the finance center at Morrie's Auto Connection. 



How Does Liability Insurance Work?

While both bodily injury and property damage are covered by liability insurance, each can have its set limits. Each state sets minimum limits, but you can set your limits based on how much you are comfortable with. 

What does liability coverage pay for? Liability insurance pays for the following:

Bodily Injury

  • Medical and hospital bills
  • Any long-term nursing care that may be needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Necessary part replacement
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

What does liability cover: you or the other driver? Remember the key factor is that this coverage is for the victim of the accident, not the driver at fault. It’s also essential to set proper limits on your liability coverage that align with how much you can offer.

Liability Coverage Limits

When setting up your plan with your agent in Albertville, you’ll have to discuss coverage limits. Limits can either be split or housed as a single limit. 

How does liability insurance work when setting up coverage limits? Here’s how single and split limits work: 

  • A split limit allows you to select individual maximums for bodily injury payments per person, for all people injured, and for all property damage.
  • With a single limit, there’s no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Now that you know the general auto liability insurance definition and how it can protect you if you get into an accident on the roads of Rogers, visit our finance center at Morrie's Auto Connection to discuss your insurance options!

Get Liability Insurance in St Cloud!

Still have questions about what liability insurance covers? Contact Morrie's Auto Connection for all of your liability insurance questions, and let us help you keep your pre-owned vehicle protected!


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