What Does Liability Insurance Cover?

Tiny car with insurance documents

Liability insurance is a required form of auto insurance in the state of New York, meaning that Westbury drivers must purchase a liability insurance plan before they drive off the Major World Chrysler Dodge Jeep Ram lot in a new vehicle. Liability insurance covers bodily injury and property damage to the property and/or persons in an accident where you are at fault. Learn more about what liability insurance pays for with the Major World Chrysler Dodge Jeep Ram finance team below. 

How Does Liability Insurance Work?

What does liability insurance cover? Bodily injury and property damage will be covered by liability insurance, but each section can have a set limit. While the state of New York will have minimum coverage limits, you can increase that limit if you choose to. See what liability insurance coverage pays for below:

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

It’s important to remember that liability insurance coverage is for the victim of an accident where you are at fault. Therefore, you should set limits on your liability coverage that will align with how much you’re able to offer. If you’re looking for coverage for yourself and your personal property, you will need to purchase a Comprehensive insurance plan or a Gap insurance plan from a Manhattan insurer. 

Liability Coverage Limits

When you set up your liability plan with your East Hill insurance agent, you’ll need to discuss coverage limits. Limits can be split or housed together. Read below to see how splitting and housing limits works:

  • Splitting a limit will allow you to set individual maximums for bodily injury payments per person, for all people injured, or for all property damage.
  • When you use a single limit there’s no total limit per person. The lump sum will be spread across all injured parties and all property damaged.

Learn More with Our Finance Team

Whether you need information on the different types of auto insurance or you need help financing a new CDJR vehicle, the finance team at Major World Chrysler Dodge Jeep Ram is here to help! Contact our team today to learn more car buying tips. Visit our Long Island City showroom today. We look forward to getting you the vehicle and insurance plan you need! 

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