Auto Liability Coverage Quote Forms
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Auto Liability Coverage Information
Ensure that You’re Insured.
Car crashes happen every day. Florida is the third most dangerous state to drive in, with more than 395,000 annual car accidents. Whether it’s a rear-end collision, T-bone or cross-traffic accident or getting clipped when merging your vehicle, auto liability insurance is essential—especially if you’re at fault in an accident.
What Is Liability Car Insurance?
Auto liability insurance is a type of auto insurance coverage that provides financial protection against claims of bodily injury or property damage for which you are liable. Most states, including Florida, require drivers to carry minimum levels of auto liability insurance. With auto liability insurance, if you’re found to be at fault for an auto accident, your policy will help cover the costs of third-party medical and property damage expenses up to your specified policy limits.
What Does Liability Car Insurance Cover?
Auto liability insurance may help cover costs you may be liable for following an accident. Purchasing auto liability coverage can offer you financial assistance in the event that you are found liable for a vehicle-related incident. The two forms of liability coverage offered are:
- Bodily injury liability pays for medical expenses caused by an incident for which you are found at fault. If you or others listed on your policy were to injure a third party with your vehicle, it would be covered under your bodily injury liability coverage. Not only does bodily injury liability cover medical expenses, it can also help cover lost wages of the injured party.
- Property damage liability is similar to bodily injury liability and will assist you in paying for repair or replacement costs if you or someone on your policy collide with another person’s vehicle or property or your property. Florida requires drivers to carry minimum amounts of property damage liability insurance.
Auto liability insurance may also cover lawyers’ bills or court fees if you’re sued after an accident. This coverage typically pays the maximum amount specified in your policy or limits. You’re responsible for the remaining amount if accident damage surpasses your limits.
Who Needs Liability Insurance?
Florida drivers must have liability coverage, as detailed earlier. The Hagar Group can help ensure your auto insurance policy has the coverage you need for appropriate protection and meets Florida’s requirements.
How Much Does Liability Insurance Cost?
The cost of your auto liability insurance depends on several things, including how much coverage you choose. You can help you get coverage tailored to your needs.
Get the Protection You Need
We can help you get the protection you need when you get behind the wheel. The Hagar Group at 800-952-4953 can help you with the insurance that offers suitable coverage and that Florida requires of its drivers.