Any insurance company selling policies to drivers will be able to provide liability auto insurance quotes on request. Before approaching one of them for pricing, it’s a good idea to take some time to consider how much coverage is needed. A savvy car insurance buyer will also make sure that he or she understands how this type of coverage works.
Liability insurance protects the policyholder from being personally responsible for paying for damages he or she caused in an accident. The bodily injury portion of the policy pays for medical bills and lost wages incurred by the occupants of the other vehicle following an accident. This type of coverage also includes a funeral benefit if the accident resulted in any fatalities.
Property damage liability protection is used to pay for the cost to repair the other driver’s vehicle following following the accident. If the car is damaged beyond repair, it pays out based on the vehicle’s cash value. This part of the policy also pays for repairs to public property, including sign posts, fences, sheds and mailboxes.
Once a driver knows how much liability auto insurance is needed, getting quotes for coverage is a very simple process. Most insurance companies have a web site and offer free online quotes for coverage. The driver would simply need to fill out a form and answer a few questions to find out how much the company would charge for this necessary protection.