Auto Insurance

Auto liability insurance is more than just a legal requirement—it’s a financial safety net. Whether you’re a seasoned driver or a new car owner, knowing the basics of liability coverage is essential.

What Is Auto Liability Insurance?

Auto liability insurance is a standard component of car insurance policies. It can assist in covering the expenses related to injuries and damage resulting from an accident you are responsible for, as well as the legal costs associated with defending or settling lawsuits arising from the incident.

What Does Auto Liability Insurance Cover?

Auto liability insurance typically includes the following coverage:

• Bodily injury liability—This can help cover the cost of injuries you cause to others in an accident, which may include medical expenses, lost wages, and pain and suffering.

• Property damage liability—This can cover the cost of damage to other people’s property (e.g., their car, fence or building) caused by your vehicle.

Remember that these coverages apply to the other party involved in an accident, not to your own injuries or vehicle damage. To protect yourself, consider additional coverage like collision and comprehensive insurance.

How Much Does Auto Liability Insurance Cost?

The following factors can influence the cost of auto liability insurance:

• Driving record

• Credit history

• Coverage selections

• Vehicle make and model

• Age and driving experience

Who Needs Auto Liability Insurance?

Auto liability insurance is essential for anyone who owns or drives a vehicle. Contact Automatic Insurance to discuss your auto insurance needs. We can recommend coverage based on your vehicle, driving habits and legal requirements.