Liability Coverage in Indianapolis, IN

Auto liability insurance is designed to financially protect drivers if they’re at fault in an accident that injures others or causes damage to their property. In Indiana, drivers need at least the minimum coverage to operate their vehicles on the roads legally.

What Is Auto Liability Insurance?

Auto liability insurance is a type of coverage that may apply to situations where you’re legally responsible for a car accident. It includes two main components:

• Bodily injury liability—If you’re at fault in an accident and someone else is injured, this can cover their medical expenses, rehabilitation and lost wages. It may also pay for your legal fees if the injured party decides to sue you.
• Property damage liability—This part of your policy may pay for damage to someone else’s property (like their car or a fence) caused by your vehicle. For example, this coverage can cover the costs if you accidentally back into a neighbor’s mailbox or collide with another car.

How Does Auto Liability Insurance Work?

When you’re at fault in an accident, your auto liability insurance may kick in to cover the costs up to your policy’s limits. If the expenses surpass your coverage limits, you might have to pay the remaining amount out-of-pocket. Your agent can help recommend coverage levels to help avoid such situations.

What Does Auto Liability Insurance Cover?

The specifics vary from policy to policy, but auto liability insurance can typically cover the following:

• Medical expenses
• Lost wages
• Damage to other people’s property
• Legal fees and court costs

Keep in mind that liability insurance typically doesn’t cover damage to your vehicle or medical expenses. That’s where collision and comprehensive coverage come in, which are additional types of auto insurance you can purchase. Consult your insurance agent to ensure you have adequate coverage.

Contact Us

Don’t leave your financial security to chance—contact Merritt Hall Insurance today to get started on securing reliable auto liability insurance.