When you’re getting ready to get behind the wheel of your vehicle for the first time, you may not realize the liability auto insurance requirements that you have to follow. Many drivers do not even realize that liability auto insurance is required by law. The truth is that anyone who drives a vehicle can be sued should they be involved in an accident. In this article, we’ll tell you all the things you need to know about auto liability insurance in order to keep yourself and those you love safe.
Before we get started, it’s important to know that liability auto insurance cover also covers the legal costs incurred in the event of a lawsuit against you. In fact, bodily injury limits are going to vary from state to state. The minimum bodily injury limits are set forth in the governing laws that each state follows. The long answer is that everyone needs to carry auto liability insurance cover, whether they’re a newly established or old driver.
Liability auto insurance cover comes in a variety of different types, each one of which protects against a variety of different scenarios. For example, bodily injury liability auto insurance cover will protect the insured person if they cause a bodily injury to someone else while operating a vehicle. Property damage liability auto insurance covers the insured’s property, as well as personal property such as clothing, shoes, jewelry and other valuables. Medical expense liability auto insurance covers any medical costs of the insured incurs in the event of a lawsuit, up to the limit established by the state. Although it differs from property damage liability auto insurance cover, bodily injury and property damage liability auto insurance covers the same things.
If you’re just beginning to drive, you’re encouraged to take a safe driver’s course before beginning to drive. Any person who doesn’t take this course can be held liable for a number of potentially expensive lawsuits, including car wreck lawsuits. To protect yourself, a liability car insurance policy should be purchased. Liability auto insurance policies are not required in all states, but they can make life much easier if there ever comes a time when you must file a claim. In most cases, liability insurance is required, and in some states it is a prerequisite to the driver’s license.
Liability cover comes in many forms. The minimum amount of coverage is set forth by the state you live in, and each state establishes its own minimum liability limits. When you purchase liability insurance, the insurer will put this amount into an account separate from your other car insurance. Whenever an accident occurs, the company will be able to establish whose fault the accident was. This is often referred to as the per person limit. In the event that you are found at fault in an accident, your per person limit will be paid by the other party’s insurer.
In addition to the per person limits mentioned above, auto liability insurance also covers the damages done to any property you may damage in an accident, as well as any medical expenses you may sustain as a result of the accident. In many states, the limits on this coverage are the same whether the accident occurred in the state or on another country’s soil. A good policy will clearly outline the levels of coverage you have chosen and will explain the deductibles that will be paid by the carrier. The deductible is the amount you pay first, before the carrier pays anything else.
It’s important to remember that a liability policy does not include uninsured/underinsured motorists coverage, which is often referred to as “blocked” coverage. This portion of the policy provides coverage if an uninsured driver causes an accident, even if the driver has no insurance or does not have enough coverage to pay for the damages. Typically, split limits will be combined with the primary auto insurance coverage to provide you with the greatest protection at the lowest cost.
Every state has a financial responsibility law that requires drivers to maintain continuous coverage. These laws vary from state to state, so it’s important to understand the requirements of your particular jurisdiction. Liability auto insurance is designed to help relieve the financial burden of personal injury claims, but it cannot by itself help you avoid being responsible for paying these claims. If you have been injured in an accident, talk with a qualified personal injury lawyer to find out what your legal options are and what your rights are.