Jeudi 7 Juin 2018 | Suivez en DIRECT le Journal PREMYE OKAZYON sur caraïbes FM - Toutes les infos en DIRECT...

Jeudi 7 Juin 2018 | Suivez en DIRECT le Journal PREMYE OKAZYON sur caraïbes FM  - Toutes les infos en DIRECT...

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Automobile liability insurance policy covers

Bodily injury liability of an automobile liability insurance policy covers an at-fault driver, so they don't have out-of-pocket expenses for others' emergency and ongoing medical expenses, loss of income and funeral costs. It also helps cover the policyholder’s legal fees when the accident results in a lawsuit. Property damage liability helps cover costs, such as repairing a home or retail establishment damaged by a vehicle crash and repairing the vehicles of other drivers involved in the accident. Automobile liability insurance has two limits for each of these components; one is per person and one is per accident.

Automobile liability insurance is required by state law, but each state sets its own minimum standards for how much coverage drivers are required to carry. For example, as of 2014 in New York, all drivers must have liability insurance that covers will pay at least $25,000 for injuries to one person, $50,000 for injuries to multiple people, $50,000 for death to one person, $100,000 for death to multiple people and $10,000 for property damage. In any state, drivers can purchase more liability insurance than the state’s required minimums, and it’s often smart to do so since medical bills can be very expensive.