FREIGHT BROKERAGE INSURANCE

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FREIGHT BROKERAGE INSURANCE

Auto Liability Coverage

Auto liability insurance coverage helps cover the costs of the other driver’s property and bodily injuries if you’re found at fault in an accident.

The auto liability coverage definition may sound simple enough, but here’s a real life example: you’re at a four-way stop a few blocks from your house. You’ve done this route hundreds of times, so you don’t notice that it’s technically the other car’s turn to go – until it’s too late. The next thing you know; you’ve smashed into another driver’s car in the middle of the intersection.

We will work with the other driver’s insurance company to determine who is at fault (if you live in a no-fault state). If you have liability insurance, we will cover costs for the driver’s damaged car, minus your deductible, and up to your covered limit.

What does auto liability insurance cover?

Liability insurance actually consists of two types of auto coverage:

  • Bodily injury liability protection applies to the medical expenses of the other party if you are found at fault in the accident. In some circumstances, it may even cover lost wages and/or legal fees if the injured party files a lawsuit.
  • Property damage liability protection applies to damages to property resulting from a covered accident in which you’re at fault. It may cover the other party’s vehicle repair or replacement costs, as well as other property that may have been damaged in the accident, such as fences, structures, phone poles and other types of property.

Minimum liability limits for each of these coverage types vary depending on which state you live in. Liability coverage cannot be used to pay for your vehicular damage or personal injury costs. For that, you will need comprehensive and/or collision coverage.

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Gold River Insurance Brokerage is a full-service independent brokerage in Brooklyn, NY.