Why is Liability Insurance so Important

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Why is Liability Insurance so Important?

For more than 50 years, United Auto Insurance has provided drivers in Illinois and Indiana with quality, affordable car insurance, including liability insurance policies. It’s important to understand the state minimum coverages as well as what your personal limits should be. The minimum state coverage requirements are the law, so you should never drive a vehicle without having this auto insurance coverage.

Liability is car insurance coverage that protects you from any injuries or property damage you cause to other drivers.

For more information on the auto insurance coverage minimums in Illinois, you can visit the Official Website of the Illinois Secretary of State.

It’s important to understand that you need to maintain car insurance to keep yourself legal to drive, as state minimum coverages vary by state. If you are caught driving without liability insurance, you will have to pay fines and may lose your driver’s license. Worse yet, if you do get into an accident and you’re without liability coverage, you are responsible for the damages you caused, including any medical expenses as well as any property damage.

Liability and property damage coverage protects other drivers, as well as pedestrians, from any damage you cause. Your car insurance policy has coverage limits that you can choose based on your financial situation. Your liability insurance will typically include the amount that will be paid out per person as well as in total. For example, if you have a bodily injury limit of 50/100, that means that $50,000 is the limit to the amount paid out for medical expenses, pain and suffering per person, with a limit of $100,000 being the amount paid out in total for the accident.

Under a liability insurance policy, property damage provides coverage for the damage caused to the other driver’s property. That may involve damage to a vehicle or damage to property such as a mailbox or traffic sign. Once again, the coverage limits you choose come into play for any property damage claim.

In the state of Illinois, you can legally drive if you have vehicle liability insurance in the following minimum amounts:

  • $25,000 - injury or death of one person in an accident
  • $50,000 - injury or death of more than one person in an accident
  • $20,000 - damage to property of another person

It’s important to note that any costs that exceed your liability coverage limits in an accident in which you are at fault are your responsibility. That means that you would have to come up with the money out of your own pocket. This is why it is recommended to fully evaluate your limit coverage as you secure your liability policy.

What isn’t covered by Liability Insurance?

Property damage to your car or property is not covered under liability insurance coverage. Also, if you are injured in an accident, your liability coverage does not cover any medical expenses for your injuries. If you feel you need coverage for your damage or injuries, then you may want a Full Coverage policy that would provide comprehensive and collision coverage.

United Auto Insurance works with every customer to provide car insurance policies that fit their specific needs and budget. Get A Free Quote today!

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