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.

More from Apple Tree Honda

  • 2021 Honda Accord Hybrid Interior

    The 2021 Honda Accord Hybrid interior is stylish and well-equipped with the latest tech and entertainment features to help keep you comfortable and connected wherever you drive in the Asheville area. Learn more about all of the standard and available Accord Hybrid interior features, and then schedule a test drive with Apple Tree Honda today! Honda Accord…

  • 2021 Honda Civic MPG Ratings

    If you’re like most Asheville-area drivers, you want a car that can provide plenty of get-up-and-go while also helping you to get the best gas mileage possible. When you take a look at the 2021 Honda Civic MPG ratings, you’ll find that this sporty sedan does just that. Learn more about the Honda Civic fuel…

  • What Are the Available 2020 Honda Civic Colors?

    The 2020 Honda Civic is offered in sedan, coupe, and hatchback body styles, each of which has its own palette of colors from which to choose. Review the available Honda Civic colors below to find the one that will best reflect your personality on Asheville streets, and then schedule a test drive at Apple Tree Honda. Honda…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

(828) 684-4400

Call Now

242 Underwood Rd • Fletcher, NC 28732

Get Directions

Today's Hours:

Open Today! Sales: 9am-5pm

Open Today! Service: 8am-2pm

Open Today! Parts: 8am-2pm

Apple Tree Honda 35.4418074, -82.5346858.