Liability and Car Insurance in Maitland, FL

Most U.S. states require at least one type, if not both types, of liability coverage: bodily injury liability and property damage liability. The term liability” refers to your responsibility in a car accident. If youre at fault in a car accident, your liability insurance is what covers medical services for the other driver, and repairs for the other drivers vehicle, and possibly court costs associated with the accident as well.

If you’re looking into how much liability insurance you need in your car insurance in Maitland, FL, here are some points to keep in mind.

Bodily Injury Liability Coverage

Bodily injury liability insurance covers the other drivers medical expenses. It may also pay for emergency services, legal fees, lost income, pain and emotional suffering, and funeral costs.

Property Damage Liability Coverage

Property damage car insurance covers damage to another persons property (whether its a vehicle, tree, or house) that you caused.

How Much Coverage Do I Need?

There are a couple of ways to figure out how much liability coverage within your car insurance you may need. Here are some options:

State Minimum Coverage – The minimum liability insurance requirements vary in each state.

While the minimum policy could lower your insurance premium costs, you could pay more in the long run in an accident.

Coverage Based On Statistics – Last year, the average bodily injury claim was nearly $16,000, while the average property damage-related claim was almost $4,000. You could buy enough to cover at least this much, but some industry car insurance groups recommend a minimum of $100,000 of bodily injury and $300,000 per accident.