Accidents happen. That's why our auto insurance policies need to have liability insurance as to protect us.
Car insurance is there to protect us when accidents happen. When it's our own actions on the road that cause an accident, that protection becomes as relevant as ever as it is this coverage that will cover the damages. Most states require drivers to have a minimum amount of liability coverage to protect them from a financial downturn after an accident. Liability means "at fault" or "responsibility," and it refers to two kinds of financial responsibility in an accident: bodily injury and property damage.
Bodily Injury: Damage done to other people
Property Damage: Damage done to the other vehicle(s) or other property
What will it cover?
Bodily injury coverage can help pay for the medical expenses and funeral costs to the person or persons that were hurt in an accident that you caused. It is important to note that bodily injury will not pay for your own injuries.
Limit per person: The maximum amount that your insurance will pay towards medical bills to a single person in an accident.
Limit per accident: The total amount that your insurance will pay for multiple people that are hurt involved in an accident.
Property damage liability covers the cost of damages done to someone else's property be that their car or their fence or house. Most commonly, the property damage will be for someone else's car, but does occasionally cover other types of property damage.
The only way to be protected is by having the right
auto insurance. You need a policy that will work to keep you safe whenever you are behind the wheel of your vehicle.
Contact the independent insurance professionals at Little & Sons Insurance Services for all of your car insurance needs in Banning, Beaumont, Calimesa, and surrounding California areas. We will work with you to find the coverage you deserve, all at the right price to fit your budget.
