Saved Vehicles

What Does Liability Insurance Cover?

Finance Paperwork with Glasses
Liability insurance helps cover both bodily injury and property damage to the other person should you be held responsible for an accident. It’s required by law in most states, so check the specific requirements if you’re in Lima. Learn more about the auto liability insurance definition with Exceptional Motorcar below and contact us if you have any questions.



How Does Liability Insurance Work?

So how does liability insurance work? What does liability coverage pay for? Bodily injury and property damage are separate, but they both fall into your overall liability coverage. Each set has their own limits set by the state. Liability insurance covers the following:

Bodily Injury

  • Rehab
  • Lost earnings
  • Pain and suffering
  • Medical and hospital bills
  • Any long-term nursing care that may be needed
  • Funeral expenses in the event of a fatal accident

Property Damage

  • Pets
  • Vehicle damage
  • Repair expenses
  • Necessary part replacement
  • General property damage (house, personal property, etc.)


It’s important to keep in mind that this coverage is for the victim of the accident, not the person at fault. Make sure to set proper limits on your liability coverage that align with how much you’re able to offer.

Limits of Liability Coverage

When talking to your Toledo agent, make sure to discuss coverage limits. There are different types of limits that divide how the money is paid if there is an accident. Here’s a summary:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Learn More About Insurance Coverage at Exceptional Motorcar

If you’d like to clarify what your insurance coverage is, call our finance department. Insurance is a part of purchasing a vehicle, so it’s important that you know what’s included. Schedule an appointment with us today!


More from Exceptional Motorcar

  • 2023 RAM 1500 Interior Dimensions

      When choosing a high-tech pickup truck for your drives around Lima, you can’t go wrong with the RAM 1500. It’s got a roomy interior, plenty of storage space in the bed, and the power and performance you need for even the tough jobs around town. But can this truck fit in your garage? Exceptional Motorcar…

  • Ford F-150 Towing Capacities

      Ford F-150 towing capacities have grown over the years, but they’ve always been far above and beyond what the vast majority of Lima and Toledo drivers would ever need or use. Late model Ford F-150 towing stats are nonetheless useful for seeing how capable your truck of choice is, especially if you have a…

  • 2018-20 GMC Sierra 1500 Towing Capacity

      Take a look at the GMC Sierra 1500 towing capabilities here to see which year of the highly-capable GMC Sierra 1500 best suits your needs around Lima and Toledo. Whether you need to know about 2018 Sierra towing, 2020 GMC sierra towing, or GMC Sierra payload, we’ve got the details below. If you have…

Exceptional Motorcar 41.277167824718184, -84.42084013277636.