Auto Liability Coverage
Auto liability protects your personal assets when you or a household member causes an accident.
Auto Liability Coverage
It pays the other party's injuries, medical treatment, and property damage.
State minimum liability limits are set by law, and a serious accident can cost more than they pay.
What You Need to Know About Auto Liability Coverage
Bodily Injury Limits
Bodily injury liability is expressed as per-person/per-accident limits, such as 100/300 (100k per person, 300k per accident). A serious accident with multiple injuries can exceed these amounts, leaving you personally liable for the difference.
Property Damage Liability
Covers damage you cause to other people's vehicles and property. Whether your limit matches what you could be asked to pay is worth checking against current vehicle values.
Umbrella Requirement
Personal umbrella policies require underlying auto liability to meet minimum thresholds, typically 250/500/250 or higher. Setting auto liability at the umbrella's required minimum ensures there's no gap between the auto policy's limit and where the umbrella picks up.