Jane Dotson
State Farm's auto liability insurance covers injuries and property damage sustained by a third party in an accident where you are at fault. This includes medical expenses, vehicle repairs, and property damage. The minimum amount of liability coverage required by law varies by state, and it is designed to protect you financially if you are responsible for someone else's injuries or property damage. It is important to note that liability insurance does not cover repairs to your own vehicle or your own injuries, for which separate coverage is needed. State Farm also offers additional liability protection through a Personal Liability Umbrella policy, which provides coverage beyond your primary auto insurance policy.
| Characteristics | Values |
|---|---|
| What does State Farm auto liability insurance cover? | Financial protection if you are responsible for someone else's injuries or property damage during a covered accident or event |
| What does BI coverage help pay? | Defence and court costs if you are sued |
| What does PD coverage help pay? | Removal of a damaged tree, repairs to a building wall you crashed through, defence and court costs if you are sued |
| What doesn't auto liability insurance cover? | Repairs to your vehicle, injuries you sustained |
| What does liability insurance cover? | Expenses when you are at fault in a crash |
| What does liability insurance not cover? | Repairs to your car |
What You'll Learn
State Farm auto liability insurance covers medical expenses
The minimum amount of liability coverage you are legally required to carry varies by state, and it is worth considering purchasing higher coverage limits than your state requires. This is because if the damages you cause exceed the liability limits you have chosen, you could be personally liable for any costs that exceed your policy's limit. This could result in financial disaster, with consequences such as garnished wages, liens against your assets, and court fees.
State Farm also offers Personal Liability Umbrella Policies, which can provide additional coverage beyond your primary auto liability policy. This type of policy can help protect you from financial ruin in the event of a significant injury or property loss claim.
In addition to auto liability insurance, State Farm offers a range of other insurance products, including health insurance, small business insurance, and homeowners insurance.
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It covers vehicle repairs
State Farm's auto liability insurance covers vehicle repairs if you are responsible for an accident. This means that if you are found to be "at fault" for a collision, your insurance will help pay for the repairs to the other party's vehicle.
State Farm also offers additional coverages to protect your own vehicle. Collision coverage helps pay to repair or replace your car if it overturns or collides with another vehicle or object. Comprehensive coverage, on the other hand, covers your vehicle if it is damaged by something other than a collision, such as theft, fire, vandalism, or hitting an animal.
If you choose to use a repair shop within the State Farm Select Service network, you can benefit from added conveniences. These include getting an estimate, completing repairs, and having State Farm pay the shop directly. Additionally, you will receive a guaranteed completion date and a limited lifetime warranty from the shop. The shop can also pick up and deliver your vehicle if needed.
It is important to note that liability insurance does not cover repairs to your own vehicle if you are responsible for an accident. For that, you would need separate collision or comprehensive coverage, depending on the nature of the incident.
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It covers property damage
State Farm's auto liability insurance covers property damage. This means that if you are responsible for an accident, your auto liability insurance will cover the costs of repairing the other party's vehicle. This includes damage to another person's or company's property, such as a car, a house, or a tree, as well as the loss of use of that property. For example, if you crash into a building and damage a wall, your auto liability insurance will help pay for the repairs to that wall.
Property Damage liability coverage (PD coverage) is one of the two categories of liability car insurance. The other is Bodily Injury liability coverage (BI coverage). While BI coverage helps pay for bodily injuries that you are legally liable for, PD coverage is specifically for damage to property. This coverage can help protect you financially if you are responsible for someone else's property damage during a covered accident or event.
The minimum amount of liability coverage you are legally required to carry varies by state, and it is a good idea to consider purchasing higher coverage limits than your state requires. If the damages you cause exceed the liability limits you have chosen, you could be personally liable for any costs that exceed your policy's limit. Therefore, it is important to consider how much coverage you may need and choose a plan that suits your needs.
State Farm also offers additional liability protection options, such as the Personal Liability Umbrella policy, which can provide extra coverage beyond your primary auto insurance policy. This can be useful in the event of significant injury and property losses from accidents, where judgments can amount to thousands or even millions.
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It covers defence and court costs
If you are sued following an accident, State Farm auto liability insurance will cover your defence and court costs. This is true whether you have caused bodily injury or property damage.
Bodily Injury (BI) liability coverage helps pay for bodily injury for which you are legally liable. This means that your actions caused injury to another person and you were found legally responsible for those injuries. BI coverage will help pay for defence and court costs if you are sued.
Property Damage (PD) liability coverage helps pay for damage done during a covered event to another person's or company's property, as well as for the loss of use of that property. This means that your actions caused damage to property (a car, a house, a tree, etc.) and you were found legally responsible for those damages. PD coverage will help pay for defence and court costs if you are sued.
Liability insurance covers expenses when you are at fault in a crash. The cover extends to the other vehicle(s) and people who sustain damages in the crash as a result of your negligence. Most states require you to carry a minimum amount of liability coverage on your vehicle.
No one can predict exactly how much you would have to pay if you cause a crash. But it's important to ask yourself: Can you afford to cover any damages exceeding your coverage limits? The higher your liability coverage limits, the more damages your policy might cover.
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It does not cover injuries sustained by the policyholder
State Farm's auto liability insurance does not cover injuries sustained by the policyholder. This means that if you are found responsible for an accident, your liability coverage will not pay for any injuries you sustain. Instead, liability insurance covers expenses when you are at fault in a crash, extending to other vehicles and people who sustain damages as a result of your negligence.
Liability insurance is typically a portion of the coverage for a home or vehicle policy. It is designed to cover an insured individual for acts of negligence that create a legal obligation to a third party. In the context of automobile insurance, liability coverage includes payments for bodily injury or property damage due to an auto accident. This means that if you are legally liable for causing injury to another person, your liability insurance will help pay for their medical expenses, vehicle repairs, and property damage. However, it will not cover your own injuries or vehicle repairs if you are at fault.
To cover your own injuries and vehicle repairs in the event of an accident, you will need separate coverages such as collision coverage, comprehensive coverage, and medical payments coverage. Collision coverage helps pay for repairs or replacements to your vehicle if it collides with another vehicle or object. Comprehensive coverage, on the other hand, covers damage to your vehicle caused by something other than a collision, such as theft, fire, vandalism, or hitting an animal. Medical payments coverage helps pay for medical and funeral expenses if an insured person is injured or killed in an accident.
It is important to note that state laws may require liability insurance for vehicle owners. Some states have compulsory auto liability insurance laws, making it mandatory to maintain automobile liability insurance to legally drive or use a vehicle on public roadways. Other states may require vehicle owners to demonstrate financial responsibility after an accident. Therefore, while liability insurance does not cover injuries sustained by the policyholder, it is crucial to have this coverage to protect yourself from financial liability in the event of causing damage or injury to others.
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Frequently asked questions
Auto liability insurance covers expenses when you are at fault in a crash. The coverage extends to the other vehicle(s) and people who sustain damages in the crash as a result of your negligence.
Auto liability insurance falls into two categories: bodily injury liability coverage and property damage liability coverage. Bodily injury liability coverage helps pay for bodily injuries for which you are legally liable, as well as defence and court costs if you are sued. Property damage liability coverage helps pay for damage done during a covered event to another person's or company's property, as well as the loss of use of that property.
If you are responsible for an accident, your liability coverage will not pay to repair your vehicle, nor for injuries that you personally sustained. You will need separate coverages for these, including collision coverage, comprehensive coverage, and medical payments coverage.
This depends on what coverages you need and the amount of deductible you feel comfortable with. The State Farm® Personal Price Plan® helps you create an affordable price. To get an idea of how much liability coverage you might need, add up the value of your home, cars, savings, and investments, then subtract your debts.
