When you hear the term liability insurance in the context of an auto policy, it refers to what your policy pays out to the other party if you are found liable for an accident. This generally refers to the people in the other vehicle involved in an accident. At Safechoice Insurance Agency in Rochester, MN, we are dedicated to informing our clients about their coverages and the benefits they derive from them.

Auto liability insurance coverage on your vehicle policy is legally mandated for driving on the roadways in most states. When you hear the term liability coverage in discussions of auto insurance, it refers to two types of coverages: bodily injury and property damage.

• Bodily injury coverage pays for the injuries to the other driver(s) and passengers harmed in an accident that you have been found at fault for causing.
• Property damage coverage pays for the cost associated with another person’s automobile or property damaged in an accident where you are at fault.

We will help you get the right coverage that you need.

What is Included With Auto Liability Insurance?

Auto liability insurance includes coverage for bodily injury and property damage.

Bodily injury coverage insures you against injuries to another person caused by an accident for which you are found liable. These injuries can include:

• Pain and suffering
• Medical bills
• Lost wages
• Prescriptions
• Legal fees if you are sued for the injuries you have caused another person to suffer

Property damage coverage covers the damages your vehicle has caused to someone else’s personal property. These include:

• Repairs to the car of the other drivers involved in an accident
• Damages to fences, buildings, or other structures
• A rental car while the other person’s vehicle is being repaired
• Damage to the personal belongings of others inside a car, such as electronics
• Legal fees if you are sued for causing damage to someone’s property
• Other related costs arising from damage to property during an incident

Coverage Limits

There is a variety of auto liability limits available for drivers. Typically, there is a state minimum that you are required to carry. In Minnesota, the minimum liability limits are 30/60/10, which means that the state requires you to have auto liability cover sufficient to pay up to $30,000 per accident for bodily injury per person, up to $60,000 total for a single accident, and up to $10,000 for property damage to the vehicle or property of another in a single incident.

While you are only required to have the minimum, you may find it beneficial to carry a larger amount to ensure your financial protection in the event of an accident.

Let us Help!

Call us today at Safechoice Insurance Agency in Rochester, MN, at (507) 280-9282. Our knowledgeable and friendly staff can answer your questions and help you get the right auto liability coverage.