Auto Insurance Coverage: Liability (Bodily Injury & Property Damage To Others)

Let's face it, if you have an auto accident the costs could be devastating. Not all auto accidents involve just your vehicle. There are many other circumstances that could potentially occur. That's why you should consider Liability coverage. This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury. The bodily injury or property damage must be accidently caused by you or a resident family member while driving your (or any non-owned) car. It also covers anyone else driving your car with your permission. However, this coverage applies only if the driver is considered at-fault and legally responsible (liable) for the damage. Please also note that Liability coverage for property damage does not apply to the damage done to your car or other property you own. This coverage is subject to the applicable policy limit, but  do not apply to Travelers Liability coverage.