Liability Coverage is one of the most important parts of an auto insurance policy, as it pays for injuries and property damage you cause to others when you are at fault in an accident.
This coverage is legally required in Georgia, South Carolina, and most U.S. states to legally operate a vehicle.
Auto liability insurance is divided into two main coverages: bodily injury liability and property damage liability.
Bodily Injury Liability Coverage
This coverage helps protect you financially if you cause an accident that results in physical injuries to other people.
It can range from minor injuries to serious injuries or even death.
Your insurance will cover these costs up to the policy limits you selected.
What Does It Cover?
Bodily injury liability may help pay for:
- Medical expenses.
- Hospital bills.
- Funeral costs, in fatal accidents.
⚠️ This coverage does not pay for your own injuries.
Property Damage Liability Coverage
Property damage liability covers the cost of damage to someone else’s property when you are at fault in an accident.
This typically includes:
- Repair or replacement of the other driver’s vehicle.
It may also cover:
- Homes.
- Buildings.
- Fences, poles, or other structures.
Coverage applies up to your policy’s property damage limit.
Liability Coverage Limits
Each state sets minimum required limits.
In Georgia and South Carolina, the minimum liability limits are:
25,000 / 50,000 / 25,000
This means:
- $25,000 per injured person.
- $50,000 total per accident if multiple people are injured.
- $25,000 for property damage.
These amounts represent the maximum your insurer will pay per claim.
Why Should You Increase Your Limits?
Many insurers allow higher limits, such as:
- 50,000 / 100,000 / 50,000
- 100,000 / 300,000 / 100,000
- 250,000 / 500,000 / 250,000
Higher limits help protect your personal assets.
Real-world example:
If you cause an accident involving four injured passengers, the minimum $50,000 bodily injury limit may not be enough to cover all medical expenses.
When limits are exceeded, injured parties may sue you personally, putting your savings, home, and assets at risk.
Protect More Than Your Car—Protect Your Assets
At Calidad Insurance, we work with over 15 insurance companies, allowing us to:
- Compare rates.
- Customize liability limits.
- Tailor coverage to your needs.
- Provide the best protection at the best value.
👉 Proper liability coverage is not just required—it’s essential protection.
Do you need more information about any of our insurance policies? 👉 Follow this link.