Liability Coverage
Pipeline Insurance Services

Liability Coverage

Liability coverage is one of the most basic types of auto insurance coverage, and one of the few types that is mandatory in every state, including California. If you are found to be at fault for a car accident, liability coverage helps pay for damage to the other person's property and costs associated with their injuries. This means there are two components of liability coverage: property damage liability and bodily injury liability.

Liability Auto Insurance

What Does Liability Insurance Cover?

Liability insurance will cover damages you cause in a car accident, including:

  • Bodily injury to occupants of your vehicle or the other person's vehicle. This includes hospital and medical bills, rehab, long-term nursing care, pain and suffering and lost earnings
  • Funeral expenses if someone dies as the result of the accident
  • Property damage to the other person's vehicle
  • Expense to repair or replace damaged items such as lamp posts, homes or a pet
  • Your legal defense costs if you are sued as a result of the accident

Liability coverage rarely covers damage to your own vehicle or costs associated with your own injuries.

Car Insurance

Liability Coverage Limits

As you compare insurance quotes, pay attention to the liability coverage options and the limits.

  • Property Damage Liability Limit. This is the maximum amount the policy will pay for damage to another person's property. If your limit is $30,000 but you cause $40,000 in damage, for example, you would be responsible for the other $10,000.
  • Bodily Injury Liability Limit Per Person. This is the maximum your insurance company will pay for each person harmed in an accident you cause, up to the policy limit.
  • Bodily Injury Liability Per Accident. This is the maximum your insurance company will pay for all damages associated with a single accident you caused.
Liability Coverage

How Much Liability Coverage Do You Need?

When you buy an auto insurance policy, you will need to get at least the minimum liability coverage required by the state. California requires minimum liability limits of 15/30/5. This means you must have at least $15,000 in bodily injury per person, $30,000 in coverage for maximum bodily injury per accident, and at least $5,000 in property damage liability per accident.

You may want to buy additional coverage to make sure you are better protected. For example, what happens if you cause an accident with a very expensive car? In this case, the $5,000 minimum property damage coverage would barely make a dent in the damages.

Auto Insurance

Get a Free Liability Coverage Quote

Liability coverage is required if you are going to drive in California. Get a free quote for liability auto insurance from Pipeline Insurance Services today. We will give you many competitive quotes from top-rated insurance companies in the area so you can compare and choose the policy that best fits your budget and your needs!

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