Accidents happen, and are sometimes caused by even the best of Springfield Township drivers. That’s why everyone who gets behind the wheel needs to have the proper coverage, which is what liability insurance is for. What does liability insurance cover? How does liability insurance work? What does liability coverage pay for? Do I have to get it for mynew car? We’ve got answers to all of those questions for you below. Let’s start with an auto liability insurance definition.
There are different kinds of auto insurance policies – collision, comprehensive, gap coverage, etc. What is liability coverage? Geico’s auto liability insurance definition is: “Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you’re at fault.”
So, liability pays for damage that is caused by an accident for which you are at fault. All kinds of damages, both to property and to people, can result from an automobile accident. So, what does liability insurance cover, should you cause an accident on our Union County roads? That falls into two categories.
Being on the hook financially for damages in an accident can be a scary prospect. That’s why liability insurance is so important. What does liability coverage pay for, exactly? Here is a breakdown:
How does liability insurance work, exactly? Insurance companies take the facts of the case then determine how much liability is incurred by each driver. This usually involves some negotiation between insurance companies. So, never admit fault or liability at the time of the accident, regardless of how guilty you feel about it. Why? Because legal liability is not always as cut-and-dry as many Bridgewater drivers think, even when it seems obvious who is at fault. The best thing you can do for the other driver is to exchange insurance information, obtain police reports, take some pictures, promptly report the accident to your insurance company, then let the insurance companies work it out amongst themselves.
Our finance department will be happy to understand what kind of coverage you need when youbuy or lease a car from us. If you found this guide to be helpful, check out our other guide onwhat to do after an accident. We’re just down the road from Staten Island and we’re here to help, so drop by or contact us today!
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