What Does Liability Insurance Cover?

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If you’re driving around Lexington, KY and Cincinnati, you need liability insurance by law in the state of Ohio. But, what does liability insurance cover exactly? The auto liability insurance definition states that this safety net covers both bodily injury and property damage when you are at fault in an accident. And while all liability insurance provides protection in these scenarios, not every plan is the same. Let’s go over the basics with Jaguar Cincinnati.

How Does Liability Insurance Work?

Every state sets it owns minimum requirements for liability insurance, so whether you’re in Mason and Fort Mitchell, KY, your insurance will cover the same basics in Ohio. However, you can pay a higher amount to get better coverage if you’d like that extra protection What does liability insurance pay for?

Bodily Injury:

  • Medical and hospital bills
  • Long-term nursing care if needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Replacement parts
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Split Limit vs. Single Limit

If you’re shopping around for a new plan, you might see the terms “split limit” and “single limit”. What’s the difference? A split limit plan divides coverage into different categories with different maximums. This means you are capped different amounts for individual bodily injury vs. property damage, as an example. A single limit plan does not involve these caps, relying instead on a lump sum that is utilized as needed across different categories. Which is more sensible for your needs and budget? Feel free to talk with our finance team.

Learn More with Jaguar Cincinnati

You’ve gone through the auto liability insurance definition and coverage, now let’s get into the fun part. Take a look at our new Jaguar special offers and start crunching numbers with our free online Payment Calculator. Our experts at Jaguar Cincinnati in Cincinnati would be happy to talk about the ways to protect your investment, from liability insurance to the Jaguar EliteCare Advantage. Still have questions about the financing or purchasing process? Feel free to contact us for personalized advice at your convenience!

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