Did you know that auto liability insurance coverage is required by law in most states? This mandatory coverage can protect against any bodily injury or property damage in case of an accident. Although liability coverage for bodily injury and property damage are separate, both are still usually required by law. An important distinction is that any kind of liability coverage doesn't cover you; rather it protects you against damage to a third party.

At Kolosso CDJR, we want you to feel safe and secure especially when an accident has occurred. Therefore, we want to answer the questions "What does Liability insurance cover?" to "How does Liability insurance work?" and everywhere in between. 

Whether you live in Kaukauna or near Manitowoc, our team is here to help you understand your coverage. Contact us to set up an appointment. So, What does liability coverage pay for? Let's find out!

How Does Liability Insurance Work?

How does Liability insurance work? We are glad you asked. Liability insurance covers both bodily injury and property damage. Keep in mind that although they fall under liability insurance, they have two separate set coverage limits. The limits are set by the state you live in and can differ depending on where you live. However, you too can set limits on each. Here is what liability insurance covers:

Bodily Injury

  • Medical and hospital bills
  • Any long-term nursing care 
  • 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

Auto liability insurance definition is coverage for the accident victim and not the one at fault. Thus, you should set limits on your liability coverage that are reasonable and realistic to what you can offer if you're at fault in a collision and you need to pay for damages to someone else's personal property or person.

Liability Coverage Limits

You can choose to split or have a single limit per household when selecting your liability coverage limits in Green Bay. Here is a breakdown of how the limits work:

  • A split limit will allow Neenah, Oshkosh, and Waupaca drivers to select individual maximums for bodily injury payments per person, for all people injured, and property damages.
  • There is no total limit per person; the lump sum will be spread across all those injured and all property damages.

Learn More About Insurance Coverage at Kolosso CDJR!

Whether you purchase a new vehicle or a used one means that you will need to budget in your liability insurance coverage. Be sure that you follow State guidelines with the help of our team at Kolosso CDJR. We can help you select the right coverage for your needs and budget. You deserve to feel safe and secure no matter the circumstance.