What Does Liability Insurance Cover?

November 16th, 2018 by

Investment broker meeting with a young couple

What does liability insurance cover? Liability insurance covers bodily injury and property damage, and is required in most states. Although these can be seen as separate insurance, they in fact go hand-in-hand. This will cover expenses from injuries to other people in the unfortunate event that you are at fault in a collision. What does it pay for? Check out our Rallye Acura guide to see what liability insurance pays for on your Garden City new Acura model.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, each can have their own set limits. Though there are minimum limits set by the state, you can set your own limits based on how much you are comfortable with. Liability insurance covers the following:

  • Bodily Injury
    • Medical and hospital bills
    • Any long-term nursing care that may be needed
    • 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

Remember the key factor is that this coverage is for the victim of the accident, not the driver at fault. It’s also important to set proper limits on your liability coverage that align with how much your able to offer.

Liability Coverage Limits

When you are setting up your Glen Cove insurance plan, coverage limits will be sure to come up. Limits can either be split or housed as one limit:

  • Split Limit – Manhasset drivers can select individual maximums for bodily injury and for property damage.
  • Single Limit – the lump sum will be spread between all injured parties and all damaged property

Reach Out to Rallye Acura for More Information

To learn more about liability insurance, and to see how it will directly affect your Manhasset drive, stop by Rallye Acura! We have a variety of new Acura models like the RDX and MDX for you to choose from. Contact us with any questions you may have about our models or if you’d like to compare vehicles like the Acura MDX vs. Honda Pilot.


More From Rallye Acura
  • 2022 Acura MDX Trim Levels

      With the Acura MDX coming out soon, many Manhasset drivers are eager to see what new features await them and how many trims will be available. What are the 2022 Acura MDX trims? Compare the 2022 Acura MDX configurations with Rallye Acura to see which trim is your favorite, and then visit our dealership to…

  • 2022 Acura MDX Color Options

    While the new Acura MDX is perfect for growing Manhasset families who want to appreciate the finer things in life, it’s also ideal for drivers who desire a ride that’s stately. The 2022 Acura MDX features an exterior design that’s both sharp and sophisticated. With dynamic body lines and modern design elements, you’ll have no…

  • The 2021 Acura RDX Towing Capacity

      Many Manhasset drivers appreciate the 2021 Acura RDX for its luxury interior and exceptional performance, but you’ll be surprised to know that the Acura RDX towing capacity is just as impressive. Whether you choose FWD or the brand’s Super Handling All-Wheel Drive, you’ll be able to tow up to 1,500 pounds. Learn more from…

  • What is the 2022 Acura MDX Towing Capacity?

    Are you searching for a new luxury crossover SUV that can tow your RV or boat around Roslyn? At Rallye Acura, we’re confident that you’ll be impressed with the 2022 Acura MDX towing capacity. How much can an Acura MDX tow? It can tow up to 5,000 pounds when properly equipped with the brand’s renowned AWD…

  • Explore the 2021 Acura TLX Interior

      If you’re in the market for a new luxury sedan with a plush interior for your Roslyn drives, you owe it to yourself to explore the 2021 Acura TLX interior. You’ll enjoy everything from a great audio system to comfortable seats, and so much more. Take a closer look at the 2021 Acura TLX…