What coverages make up liability insurance?
What is liability insurance? I need basic coverage for my 2005 Nissan Altima. I don't understand what coverages make up liability insurance or what the numbers mean.
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Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Liability car insurance is usually the minimum amount of insurance required in almost every state.
It’s made up of two parts:
Bodily injury covers any injuries you cause when you’re at fault. It’s made up of two limits: a per person amount and a per accident amount.
For example, $25,000 per person; $50,000 per accident. It does not cover you or your passengers, only other drivers.
Property damage covers any damage that you do to a vehicle or object when you’re at fault. Your property damage is one limit and may have a deductible attached to it. Typically it matches your bodily injury amount.
For example, $25,000 for property damage when your bodily injury is $25,000/$50,000.”
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