Bodily Injury and Property Damage Liability Coverage | What Doesn’t It Cover?

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Bodily Injury and Property Damage

Published by AccurateWP

We all like to think we are safe drivers, but as providers of Illinois vehicle auto insurance, we are aware that sometimes, accidents happen. Liability insurance is an important facet of making sure you are protected if the unthinkable happens. Most states require liability insurance that includes both bodily injury liability coverage as well as property damage liability coverage.

Bodily Injury

Even car accidents as minor as a fender bender can cause injuries to the other party that you don’t want to deal with. The bodily injury portion of liability coverage ensures that if you ever get into an accident that causes an injury to someone else, you will help pay for any of their medical expenses. This will give you peace of mind in case an unexpected accident happens, and you aren’t able to pay their bills out of pocket. Keep in mind each state has a different minimum that you’ll have to pay for bodily injury liability, and there may be a limit per accident as well.

Property Damage

If you get into a car accident that damages someone else’s property, including their car or their home, property damage liability will help you pay for any necessary repairs. Again, there is a limit regarding property damage.

What Doesn’t It Cover?

Unfortunately, liability insurance typically does not cover damage to your own car after the accident. It also doesn’t cover your injuries after an accident that you caused.

If you’re looking for Illinois vehicle auto insurance or auto insurance for another state, Accurate Auto Insurance is here to help! Contact us today to get started.

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