What Does Liability Insurance Cover?

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Liability insurance is a form of insurance that’s required by law in the state of North Carolina. This two-fold plan covers bodily injury and property damage in the event of an accident in which you are responsible. Liability insurance ensures that expenses from injuries or damage to another’s property is covered and paid for in a timely manner. Follow along with the Hyundai of Asheville finance team as we cover what liability coverage pays for and how liability insurance works for Black Mountain drivers.

How Does Liability Insurance Work?

What does liability insurance cover? Liability insurance covers the expenses of bodily injury and property damage in the event of a Black Mountain accident in which you are at fault. The coverage extends to the victim(s) of the accident and does not cover the damage done to yourself or your property. See what liability insurance covers below:

Bodily Injury

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

Property Damage

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

To protect yourself and your property in the event of a Hendersonville accident, you will need to purchase an additional insurance coverage plan like Comprehensive Coverage or Collision Coverage.

Liability Insurance Coverage Limits

When you set up your liability insurance plan with a Weaverville insurer, you’ll be able to set coverage limits. Coverage limits can be split or housed as a single limit. Read how this works below:

  • 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 With Hyundai of Asheville

When you buy a new Hyundai model, you’ll be required to have proof of liability insurance before you can drive off the lot. The finance team at Hyundai of Asheville is available and ready to help you understand all of your insurance coverage options – like Gap insurance coverage! We’ll help you apply for financing for a new vehicle as well! Contact us today, we look forward to hearing from you!

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