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9235 N Union Blvd., Ste. 150 #385
Colorado Springs, CO 80920

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What is Liability Coverage on My Auto Insurance?

Having liability insurance coverage is required to stay legal on the road here in Colorado Springs, CO. However, not many people understand what this means. Thankfully, our team at Westco Insurance LLC is here to help.

Liability is a third-party coverage on your auto insurance that pays for someone else’s medical bills and/or property damage if you’re involved in an accident that you caused. It doesn’t pay to fix your vehicle or handle any medical bills for you or your passengers.

There are two parts to liability: bodily injury and property damage. Here’s what you need to know regarding what they cover.

Understanding Bodily Injury Coverage

Bodily injury coverage is the portion of your car insurance that pays for other people’s medical bills. This can be a passenger in another car, a pedestrian, or someone else physically injured due to your negligence.

When looking at your auto insurance, you probably see bodily injury written out as two numbers with a slash in between. The first number is the most the policy will pay per person in the accident. The second number is the maximum amount for the claim, whether two people with injuries or two hundred. In the event of a serious claim, all injured third-parties must share this aggregate amount.

What is Property Damage Coverage?

Property damage coverage is the part of your auto insurance policy that pays for things other people own. This can be the back bumper of the car you hit in the grocery store parking lot, your neighbor’s mailbox, or a power pole owned by the city. If you’re in an at-fault accident, this number is the maximum amount your policy will pay to fix or replace those items.

Are you ready to ensure you have enough auto insurance coverage? Our team at Westco Insurance LLC in Colorado Springs, CO is here to help. Please contact us today for a quote.

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  • No “cosmetic hail exclusions”
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