Auto insurance policies come with several types of coverage, including liability coverage. A standard policy typically includes two types of liability coverage: bodily injury liability and property damage liability. Both types are essential for protecting you in the event of an accident and are required by law in Indiana. Each type serves a unique purpose, ensuring you are financially safeguarded in different scenarios. If you need auto insurance, we’re here to assist you. Contact Blevins Insurance Agency in Lafayette, IN.
What Is Bodily Injury Liability?
Bodily injury liability covers the costs associated with physical injuries sustained by third parties in an accident. This includes injuries to passengers in the other vehicle involved in the collision. Coverage typically includes medical expenses for treating injuries, as well as costs for ongoing therapies or rehabilitation required as a result of the accident. This type of liability coverage ensures that you are not personally responsible for these expenses.
What Is Property Damage Liability?
Property damage liability covers the costs of repairing or replacing the other party’s vehicle or property damaged in an accident. Whether it’s a car, fence, or other property, this coverage ensures you don’t have to pay for these repairs out of pocket. It’s wise to have sufficient property damage liability coverage, especially in case of an accident involving a high-value vehicle.
Get Auto Insurance Today in Lafayette
If you don’t yet have auto insurance, it’s crucial to get coverage immediately. Indiana law requires auto insurance from the moment you own a vehicle. Don’t delay—arrange your auto insurance today by contacting Blevins Insurance Agency in Lafayette, IN.
