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What Does Liability Insurance Cover?

If you’re shopping for a new vehicle in Liberty, then you may have heard that you need to purchase liability insurance coverage before you can drive off the dealership lot. What does liability insurance cover? Liability insurance covers the personal property and any injured parties in an accident where you are at fault. Learn more about the auto liability insurance definition and what it pays for with Baytown Nissan below, or contact us if you have any specific questions about insurance coverage. 

How Does Liability Insurance Work?

In order to drive in La Porte, you’re required by the state of Texas to purchase liability insurance. How does liability insurance work? Liability insurance has a minimum coverage limit set by the state of Texas to ensure that the driver and their property are covered in the event of an accident where you are at fault. You can, however, increase your liability insurance limit on your own. See what liability insurance covers below:

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, liability insurance covers the victim of an accidentin which you are at fault. Your vehicle and any medical bills will not be covered by liability insurance. To cover your own medical bills and property, you’ll need to purchase additional insurance coverage like comprehensive insurance or GAP insurance from a Baytown insurer.

Liability Coverage Limits

When you set up your liability insurance coverage, you’ll need to discuss coverage limits. Coverage limits can be split or housed as a single unit. Read how these two options differ below:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Learn More About Insurance Coverage with Baytown Nissan

When you’re ready to purchase a new or used Nissan vehicle, you can count on the team at Baytown Nissan to help you get the vehicle you need at a price that will fit your budget. Learn more about the car buying process when you read our car buying tips, or contact our finance team to discuss your insurance coverage options. Come visit our Baytown showroom today, we look forward to putting you behind the wheel of a new Nissan vehicle! 

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