Liability Insurance

Compare Quotes & Save Up To $500 For General liability Coverage From Multiple Providers For All Types of Liability Insurance, Buy Your Policy Online in Minutes!

 Liability insurance is coverage that protects against claims based on negligence, inappropriate action, or inaction that results in bodily injury or damage to property. Liability Coverage includes but is not limited to homeowners’ liability Ins., automobile, product, malpractice, uninsured motorist, and underinsured motorist liability Coverage.

Two types of liability Insurance are offered:

 Liability car insurance - auto liability insurance

1. Bodily injury liability protects you in the event it’s determined you are responsible for an accident in which someone is injured or killed.

2. Property damage liability covers the damage your vehicle causes to someone else’s property, such as their car, mailbox, or a fence on their land.

Auto insurance policies usually describe the amount of liability coverage in a series of three numbers, called Split Limits.

Suppose your coverage reads: “50,000/100,000/50,000”

1. The first number, $50,000, is the maximum the insurance company will pay for bodily injury to any one person in an accident.

2. The second number, $100,000 is the maximum amount the insurance company will pay bodily injury for a single accident, no matter how many people are injured.

Review listings for providers of business liability insurances services and liability insurances companies.

3. The last number, $50,000, is the maximum amount the policy covers for damage to someone else’s property.

Bodily injury and property damage liability may also be shown as a combined single limit (CSL). The Combined Single Limit (CSL) number is the maximum dollar coverage (e.g., $100,000) for bodily injury and property damage combined, no matter how many people are involved or the amount of property damage. Note that all limits are per accident.

Many states require drivers to carry a minimum amount of liability-Insurance, approximately 20,000/40,000/10,000. That means $20,000 to cover injuries to any one person, $40,000 total for all injuries, and $10,000 for property damage.

If you are judged to be legally liable for an accident, you can be sued for the full cost of the damages, including property damage; hospital and medical payments; rehabilitative care; lost income; and even the pain and suffering of injured person(s).

Liability insurance helps protect you from the financial impact of these costs. If the total of a given loss exceeds the amount of your liability insurance, however, you may have to pay the rest out of your own pocket.

Since liability coverage protects your assets in this way, you can see why you need to consider buying more liability coverage than the minimum required by your state.

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