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Liability auto insurance pays for injuries and property damage you cause to others while operating your vehicle. Coverage applies to medical bills, lost wages, legal fees, and repair costs when you are legally responsible for an accident.
Liability coverage is the foundation of every auto insurance policy and is legally required in most states. It ensures that anyone you harm in an at-fault accident receives proper compensation, while also protecting your personal assets from potential lawsuits or judgments.
There are two parts to Liability Insurance:
Bodily Injury Liability (BIL): Covers medical expenses, lost wages, and legal fees if you injure another person.
Property Damage Liability (PDL): Covers repairs or replacement costs for other people’s property, such as vehicles, fences, or buildings.
Together, they form the essential safety net that keeps you financially secure on the road.
We structure your liability limits to fully protect your assets, ensuring you’re covered well beyond state minimum requirements.
Our auto insurance claims specialists guide you through every step of the process handling communication, documentation, and settlement negotiations on your behalf.
We customize coverage limits to fit your driving habits, vehicle type, and financial goals, so you’re never over- or underinsured.
As a Florida-based agency, we understand local regulations, accident trends, and how to build strong protection for coastal drivers.
It covers injuries, vehicle damage, or property loss that you cause to others in an at-fault accident. It does not cover damage to your own vehicle.
Bodily Injury Liability pays for medical expenses, lost wages, and legal costs for injured parties. Property Damage Liability covers the cost of repairing or replacing damaged property.
Almost all U.S. states require drivers to maintain minimum liability coverage. Required limits vary by state, but failing to carry insurance can result in fines, license suspension, or vehicle impoundment.
Limits are typically listed as three numbers, such as 100/300/100, representing the maximum payout per person, per accident, and for property damage, respectively.
No. Liability insurance only covers damage to others. To protect your own vehicle, you need collision or comprehensive coverage in addition to liability.
You are personally responsible for any costs beyond your policy limits. For greater protection, many drivers purchase umbrella insurance or choose higher liability limits.Why is higher liability coverage recommended?
Higher limits protect against severe accidents and costly lawsuits, ensuring your assets and future income remain protected from uncovered liabilities.
Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.
Protect yourself against costly claims and legal exposure. Get a customized liability car insurance quote today.
