{"id":10528,"date":"2022-02-01T14:55:37","date_gmt":"2022-02-01T14:55:37","guid":{"rendered":"https:\/\/evergreenprotect.com\/?p=10528"},"modified":"2022-02-01T14:41:57","modified_gmt":"2022-02-01T14:41:57","slug":"auto-liability-coverage-explained","status":"publish","type":"post","link":"https:\/\/evergreenprotect.com\/tips\/auto-insurance\/auto-liability-coverage-explained\/","title":{"rendered":"Auto Liability Coverage Explained"},"content":{"rendered":"<p>Auto liability insurance is a crucial part of a car insurance policy, and it&#8217;s one of the main types of insurance that states require &#8212; but provides the most limited coverage. In this guide, you will learn about auto liability insurance policy, what it covers, and answer all other essential questions.<\/p>\n<p style=\"text-align: center\"><strong>What Is Liability Insurance?<\/strong><\/p>\n<p>Auto liability insurance coverage helps cover the other party&#8217;s bodily injury or property damage costs if you&#8217;re at fault in an accident. Drivers are required by law to buy a minimum amount of auto liability coverage, which will depend on your vehicle value, your financial situation, and where you live.<\/p>\n<p style=\"text-align: center\"><strong>Do Drivers Need Auto Liability Coverage?<\/strong><\/p>\n<p>If you do not want to pay out-of-pocket for people&#8217;s injuries and you don&#8217;t want to risk incurring unnecessary bills that will affect you for a long time, then you need auto liability coverage.<\/p>\n<p style=\"text-align: center\"><strong>What Does Auto Liability Coverage Cover?<\/strong><\/p>\n<p>\u200bAuto liability insurance has two types of coverage:<\/p>\n<p><strong>Property Damage Liability Coverage<\/strong><\/p>\n<p>This coverage pays for the damage or loss you cause another person&#8217;s property, and you were found legally accountable for those damages. The type of bills property damage liability pays for includes but are not limited to:<\/p>\n<ul>\n<li>Repairs for the other person&#8217;s vehicle.<\/li>\n<li>Reconstruction structures such as buildings and fences.<\/li>\n<li>Repairs or replacement of items damaged inside the car.<\/li>\n<li>Income that was lost as a result of property damage.<\/li>\n<\/ul>\n<p style=\"text-align: left\"><strong>Bodily Injury Liability Coverage<\/strong><\/p>\n<p>Cover the cost of injuries for which you are legally liable. The type of bills bodily Injury liability pay for include but are not limited to:<\/p>\n<ul>\n<li>Medical bills, both short- and long-term<\/li>\n<li>Lost wages from work missed<\/li>\n<li>Pain and suffering<\/li>\n<li>Funeral costs<\/li>\n<li>Related legal fees for both insured and the other party<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Auto liability insurance is a crucial part of a car insurance policy, and it&#8217;s one of the main types of insurance that states require &#8212; but provides the most limited coverage. In this guide, you will learn about auto liability insurance policy, what it covers, and answer all other essential questions. What Is Liability Insurance? [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10529,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[],"_links":{"self":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10528"}],"collection":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/comments?post=10528"}],"version-history":[{"count":0,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10528\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media\/10529"}],"wp:attachment":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media?parent=10528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/categories?post=10528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/tags?post=10528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}