An accident happens, and someone claims that you caused them harm. They may be asking you to pay for medical bills, lost wages, pain and suffering, or property damage. Do you have to pay these costs yourself, or will your auto insurance help?
In many situations, your auto insurance can provide important financial protection. At Ingram Insurance, we encourage drivers to understand how their coverage works and when it may apply. If you need to review or update your auto insurance in Cheraw, SC, reach out to our team for guidance.
What Auto Liability Coverage Provides
Most drivers are required to carry auto liability insurance. This type of coverage is designed to protect you if you are found responsible for causing injury or property damage in an accident. Liability coverage typically includes the following components:
- Property damage liability: This coverage applies when your vehicle causes damage to someone else’s property, such as another vehicle, a fence, or a building. It helps pay for repairs or replacement.
- Bodily injury liability: If another person claims you caused their injuries, this coverage may help pay for medical expenses, hospital care, lost wages, medication costs, and pain and suffering, up to your policy limits.
- Legal defense coverage: If a liability claim leads to a lawsuit, your auto insurance may help cover legal defense costs, including attorney fees, court costs, and settlements, when applicable.
Liability coverage only pays up to the limits you select on your policy. If damages exceed those limits, you may be responsible for the remaining costs. Increasing your liability limits can provide added protection and peace of mind.
Protect Yourself with the Right Coverage
Understanding your liability coverage before an accident occurs can make a significant difference. Contact Ingram Insurance to learn more about auto insurance options in Cheraw, SC. Our team can help you review your policy and choose coverage that better protects you against liability claims.
