All About Liability Insurance

Liability insurance is one of the many forms of car insurance available to drivers. Unlike many forms of coverage, however, liability insurance is required by law in nearly all states in the U.S. In these states, each driver must be insured by a liability coverage plan in order to legally use the road. A typical car insurance policy includes bodily injury liability coverage, property damage liability coverage, and uninsured/underinsured motorist coverage. These three types of coverage can help to protect you from a lawsuit or costly expenses if you are involved in an accident.

Bodily Injury Liability

If you are involved in an accident that is your fault, this type of coverage compensates the people who were injured in the collision. Bodily injury liability insurance does not cover you or anyone else on your insurance plan. Instead, it helps to protect you from a lawsuit by ensuring that a victim is appropriately compensated for his or her injuries.

Property Damage Liability

This type of insurance pays for the property damage caused in an accident if you are found to be at fault. This coverage can help pay for repairs to another person’s car or to other property that may have been damaged in the collision. Like bodily injury liability, having property damage liability insurance protects you from the risk of a lawsuit.

Uninsured/Underinsured Motorist Coverage

Even though liability insurance is required by the state of Illinois, some people disregard the law and choose to drive without car insurance. If you are involved in an accident with another individual and he or she is found to be at fault but is uninsured or underinsured, your coverage will help compensate you for your injuries and damages. This helps prevent you from having to pay your own medical expenses and repair costs if you are hit by a driver who lacks the required amount of auto insurance.

Contact Us

Don’t let yourself be caught without the proper insurance coverage. To learn how we can help you find an affordable car insurance policy that meets your needs, contact the Chicago auto insurance experts of Insure on the Spot today at 888-972-SAVE.