Liability coverage is what protects you if you're at fault for an accident and you hurt someone or someone's property. It's made up of two components: bodily injury liability and property damage liability. This type of car insurance doesn't cover your injuries or damage to your property.
If you are found at fault and hurt someone else in an accident, Allstate can help you pay for bills that include:
- Emergency aid at the scene
- Medical expenses for bodily injury
- Compensation for loss of income
- Funeral expenses
- Legal defense fees for anyone listed on your policy
If you are found at fault and damage someone else's property in an accident, Allstate can help you pay for bills that include:
- Structural damage to homes, storefronts and other structures
- Repair or replacement costs for other stationary objects
- Vehicle repair or replacement costs
When shopping for liability insurance, you'll see coverage limits that look like this: $50,000/$100,000. The first number, $50,000, is the maximum amount your coverage will pay per person in an accident. The second number, $100,000, is the maximum your insurance will pay for the total accident. Determining what limits you need will depend on the state you live in and your personal circumstances.
An agent can give you more information about liability insurance so you can make an educated decision about the coverage levels you want.
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