{"id":89,"date":"2019-10-22T00:48:48","date_gmt":"2019-10-22T00:48:48","guid":{"rendered":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/?p=89"},"modified":"2020-01-07T19:59:12","modified_gmt":"2020-01-07T19:59:12","slug":"what-is-liability-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/auto\/what-is-liability-auto-insurance\/","title":{"rendered":"What is Liability Auto Insurance?"},"content":{"rendered":"\n<p><strong>What is Liability\nAuto Insurance?<\/strong><\/p>\n\n\n\n<p>In most states, liability auto insurance is required to\ndrive a vehicle. Liability insurance is an essential part of almost every car\ninsurance policy. <\/p>\n\n\n\n<p>Liability insurance helps pay for another person\u2019s medical\nexpenses and damages to their car should you cause a car accident. Auto\nliability insurance has two components: bodily injury liability and property\ndamage liability. <\/p>\n\n\n\n<p><strong>What Does Liability\nInsurance Cover?<\/strong><\/p>\n\n\n\n<p><strong>Bodily Injury\nLiability<\/strong>\u2014if you are legally responsible for someone\u2019s injuries, your\nliability insurance covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Pain and suffering<\/li><li>Medical expenses<\/li><li>Lost Wages<\/li><li>Legal fees<\/li><\/ul>\n\n\n\n<p><strong>Property Damage\nLiability<\/strong>\u2014if you are legally responsible for damaging someone\u2019s property,\nyour liability insurance covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vehicles<\/li><li>Houses<\/li><li>Stores<\/li><li>Fences<\/li><li>Trees<\/li><li>And More<\/li><\/ul>\n\n\n\n<p><strong>What Isn\u2019t Covered\nUnder Liability Car Insurance?<\/strong><\/p>\n\n\n\n<p>Liability car insurance does not cover your injuries or\ndamage to your vehicle or property. If you want to make sure you are covered,\nconsider adding comprehensive coverage and collision coverage to your car\ninsurance policy. <\/p>\n\n\n\n<p><strong>How Much Liability\nInsurance Coverage Should You Have?<\/strong><\/p>\n\n\n\n<p>The minimum amount of liability insurance that you need is\ndifferent for each state. When you purchase your liability insurance coverage,\nyou will have to select limits\u2014this is the most your insurance will pay out\nduring a covered claim. Your limits are usually based on your state\u2019s minimums\nor the premium amount that you can afford. <\/p>\n\n\n\n<p>It is important to remember that your state\u2019s minimums may\nnot be enough to protect you in a car accident. If the damage you caused is\nmore than the limits you selected, you will be responsible for the balance. For\ninstance, if you purchase a 15\/25\/10 plan, then you get<\/p>\n\n\n\n<p>$15,000 for\nbodily injury, per person<\/p>\n\n\n\n<p>$25,000 for\ntotal bodily injury<\/p>\n\n\n\n<p>$10,000 for\nproperty damage<\/p>\n\n\n\n<p>So, if you purchase this plan, but cause $20,000 in property\ndamage, you will be responsible for the other $10,000. Car insurance companies\noffer several different limit groups so that you can purchase the amount of\nliability coverage that works best for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is Liability Auto Insurance? In most states, liability auto insurance is required to drive a vehicle. Liability insurance is an essential part of almost every car insurance policy. Liability insurance helps pay for another person\u2019s medical expenses and damages to their car should you cause a car accident. Auto liability insurance has two components: [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":119,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-89","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/89","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=89"}],"version-history":[{"count":3,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/89\/revisions"}],"predecessor-version":[{"id":260,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/89\/revisions\/260"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/media\/119"}],"wp:attachment":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=89"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=89"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=89"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}