OnePoint Insurance Agency Blog
Liability Insurance: The Legal Foundation of Every Policy
Overview: Liability insurance is the coverage that protects others from damage or injury caused by you. It’s the legal minimum in most states and is often split into two parts: Bodily Injury Liability (BI) and Property Damage Liability (PD).
What It Covers:
Bodily Injury: Medical expenses, pain and suffering, and lost wages of the other party.
Property Damage: Repairs to another person’s car, fences, mailboxes, and even public property.
Real-World Example: You run a red light and hit another car. Liability insurance pays for the other driver’s injuries and vehicle damage—but not your own.
Liability Insurance: The Legal Foundation of Every Policy
Overview: Liability insurance is the coverage that protects others from damage or injury caused by you. It’s the legal minimum in most states and is often split into two parts: Bodily Injury Liability (BI) and Property Damage Liability (PD).
What It Covers:
Bodily Injury: Medical expenses, pain and suffering, and lost wages of the other party.
Property Damage: Repairs to another person’s car, fences, mailboxes, and even public property.
Real-World Example: You run a red light and hit another car. Liability insurance pays for the other driver’s injuries and vehicle damage—but not your own.
Liability Insurance: The Legal Foundation of Every Policy
Overview: Liability insurance is the coverage that protects others from damage or injury caused by you. It’s the legal minimum in most states and is often split into two parts: Bodily Injury Liability (BI) and Property Damage Liability (PD).
What It Covers:
Bodily Injury: Medical expenses, pain and suffering, and lost wages of the other party.
Property Damage: Repairs to another person’s car, fences, mailboxes, and even public property.
Real-World Example: You run a red light and hit another car. Liability insurance pays for the other driver’s injuries and vehicle damage—but not your own.
Liability Insurance: The Legal Foundation of Every Policy
Overview: Liability insurance is the coverage that protects others from damage or injury caused by you. It’s the legal minimum in most states and is often split into two parts: Bodily Injury Liability (BI) and Property Damage Liability (PD).
What It Covers:
Bodily Injury: Medical expenses, pain and suffering, and lost wages of the other party.
Property Damage: Repairs to another person’s car, fences, mailboxes, and even public property.
Real-World Example: You run a red light and hit another car. Liability insurance pays for the other driver’s injuries and vehicle damage—but not your own.
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770-884-8117
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