What Is Liability Coverage in Car Insurance?

Auto insurance liability coverage

Liability coverage is an important insurance protection. Bodily injury and property damage liability coverages provide compensation for injuries to others and for the damage your vehicle does to another person’s property if you cause an accident.

What does liability coverage protect?

If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued. 

Liability coverage pays for both property damage you caused to another’s property and any bodily injury caused to others as a result of the accident. The following expenses are among the types of damages that may be considered: 

• Hospital and medical bills 
• Lost wages 
• Pain and suffering 
• Rehabilitation services 
• In-home healthcare services 

Liability coverage provides important protection for drivers and most states require drivers carry a minimum amount.  

To learn more about auto liability insurance coverage types, contact your local independent agent or Travelers representative.  

What is bodily injury liability and what does it cover?

Bodily injury liability insurance typically covers the costs associated with injuries you caused to other people, up to your policy limit, in a covered accident. Coverage can also pay for a legal defense if you’re sued for that accident.

Read transcript

What is property damage liability and what does it cover?

Property damage liability coverage is insurance that pays for the damage you cause to others’ property, including vehicles, in a covered accident. 

Your local independent agent or Travelers representative can help you understand your state requirements and select the amount of liability coverage that’s right for you. Contact your Travelers representative to get a car insurance quote. 

https://www.travelers.com/car-insurance/coverage/liability?utm_source=Facebook&utm_medium=AgentDigital&utm_campaign=WhatisInsuranceEducation&utm_content=WhatisBodilyInjuryLiabilityCoverage&utm_term=63989a4911488&fromAgent=true