Auto liability coverage is found in “Part A” of the personal auto policy. This type of personal liability coverage helps protect you financially from third-party claims resulting from an at-fault auto accident. Third-party claims are those brought by others and may include accident-related medical expenses, pain and suffering, lost income, vehicle damage or replacement, and other property damage, such as to a home or personal property.
The cost of repairing damage to your own vehicle is covered under collision or comprehensive coverage. Coverage for your own bodily injury, or injury to your passengers, would be covered under medical payments coverage or your own health insurance.
Medical payments coverage – “Part B” – pays accident-related medical bills for you, your passengers or a pedestrian your vehicle strikes. Some states may call this coverage something else, and/or require it.
How much liability insurance do I need?
Almost every state requires you to have some level of auto liability insurance. However, the amount of coverage required by each state, also known as state minimums, is often not enough coverage to provide the best financial protection you need for an accident. Amica recommends having at least 100/300/100 for your auto personal liability coverage. What these numbers mean is you would have a maximum limit of $100,000 of bodily injury coverage per person, a maximum limit of $300,000 of bodily injury coverage per accident, and a maximum limit of $100,000 of property damage coverage per accident. These three numbers are called split limits, because the total liability is split into three sub-limits. These are all maximum amounts of coverage and you’re not guaranteed these amounts in the case of an accident.