Liability Coverage in Indianapolis, IN
Ensure that You’re Insured.
Auto liability coverage may protect your finances against costly accidents that can result in other parties’ injuries, death or property damage. If you’re wondering if your current coverage is sufficient, or if you’re looking for a new auto insurance policy, Merritt Hall Insurance is here to help.
What Is It and How Does It Work?
Auto liability coverage is a component of your auto insurance policy that may help safeguard your finances if you’re deemed responsible for an accident and a third party seeks compensation.
The two types of coverage are:
- Bodily injury liability coverage may cover the medical bills, funeral costs or lost income of the other party, such as a driver, passenger or pedestrian.
- Property damage liability coverage may help pay for damages that you caused to the other party’s property, such as a building or vehicle.
How Much Coverage Do I Need?
The amount of coverage you need may be mandated by local laws. In Indiana, drivers must prove financial responsibility, which is typically achieved through carrying a certain amount of bodily injury and property damage liability coverage.
How Much Can a Policy Cost?
Insurers may look into different factors when quoting you for auto liability coverage. These may include:
You may be able to lower your premiums by doing the following:
- Ask your insurer about multi-policy discounts.
- Maintain a clean driving record.
- Take a defensive driving course.
- Consider usage-based insurance programs.
Get Covered Today
If you want to know more about your auto insurance options, we’re here to help. Contact Merritt Hall Insurance to request a quote.
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