What Does Liability Insurance Cover?

financing

Liability insurance is required by law in most states and provides coverage for both bodily injury and property damage if you, the Asheville driver, are at fault. In this guide from the finance team at Apple Tree Honda, you’ll find out what liability insurance will pay for and what it offers should you get into an accident.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, you can set limits for each. Even though there are minimum limits that are required by the state, you still have the opportunity to adjust your coverage based on how much you are comfortable with. Here’s what liability insurance covers:

  • Bodily Injury

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

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

Remember that liability insurance coverage is for the victim of the accident, not the driver at fault. It’s also important to set proper limits on your liability coverage that align with how much you’re able to afford.

Liability Coverage Limits

When you set up your plan with your Hendersonville or Hendersonville agent, you’ll need to discuss coverage limits. Limits can be split, or combined in a single limit. Here’s how that works:

  • A split limit allows 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 is spread across all those injured and all property damaged

Learn More About Insurance Coverage at Apple Tree Honda

It is important to understand all of the available financing and auto insurance options when you buy a new Honda at Apple Tree Honda. Make sure that you know what the state requirements are, and select the coverage that best suits your needs. Whether you wish to buy or lease, our finance team can walk you through the process. If you have any questions about required insurance coverage, our new vehicle specials, or whether it’s possible to lease a used car, please feel free to contact us.

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242 Underwood Rd • Fletcher, NC 28732

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Apple Tree Honda

242 Underwood Rd Fletcher, NC

Phone: (828) 684-4400

http://maps.google.com/?q=242%20Underwood%20Rd%2C%20Fletcher%2C%20NC%2028732

Parts

Phone: (828) 684-4400

242 Underwood Rd Fletcher, NC

Sales

Phone: (866) 250-3368

242 Underwood Rd Fletcher, NC

Service

Phone: (828) 684-4400

242 Underwood Rd Fletcher, NC
35.4418074 -82.5346858
Apple Tree Honda 35.4418074, -82.5346858.