Vehicle liability insurance has two components always included together: Bodily Injury coverage and Property Damage coverage.
Vehicle liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.
If you cause an accident that injures or even kills another person, the Bodily Injury (BI) portion of your Liability insurance will pay for the related expenses. Bodily Injury (BI) will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits you select.
If you cause an accident that damages another person’s property, the Property Damage (PD) portion of your Liability insurance will pay for the related expenses. Property Damage (PD) will cover the expense to repair or replace damaged items, including other vehicles, lamp posts, houses or even a pet, up to the limits you select.
Liability insurance will also pay for your legal defense costs if you are sued as a result of your involvement with the accident.
Who needs liability insurance?
Anyone who drives a vehicle needs Liability insurance. In most situations, Liability insurance is required by law.
For-hire truckers operating under their own authority must have Liability insurance in order to obtain a filing.
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