Liability Coverage

What is Liability Coverage?

Liability coverage is a fundamental component of auto insurance that protects you financially if you're found responsible for causing an accident. It helps pay for the other party's medical expenses, property damage, and legal fees if you're sued.

At AutoFife, we offer comprehensive liability coverage options that meet or exceed state minimum requirements, giving you peace of mind every time you hit the road.

Types of Liability Coverage

Bodily Injury Liability

Covers medical expenses, lost wages, pain and suffering, and funeral costs for others injured in an accident you caused. This protection extends to all passengers in the other vehicle.

Property Damage Liability

Pays for damage to another person's vehicle, home, fence, or other property that you damage in an accident. This includes repair or replacement costs.

Coverage Limits

Liability coverage is typically expressed as three numbers (e.g., 100/300/100), which represent:

First number: Maximum payment per person for bodily injury ($100,000)
Second number: Maximum total payment per accident for bodily injury ($300,000)
Third number: Maximum payment for property damage ($100,000)

Why Choose Higher Limits?

While state minimums provide basic protection, we recommend higher limits because:

Medical costs and vehicle repairs have increased significantly
Lawsuit settlements can exceed minimum coverage limits
Personal assets may be at risk if damages exceed your coverage
Higher limits often cost only marginally more per month

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Find out how much you can save on liability coverage with AutoFife.

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Key Benefits

Legal requirement in most states
Protects your personal assets
Covers legal defense costs
Covers injuries to others