What Does Liability Insurance Cover?

Couple looking at touchpad

What is the auto liability insurance definition, and what does it cover? Liability insurance coverage is required by law in most states, and it’s a two-fold plan that covers property damage and bodily injury. Even though these are separate, they’re both a requirement. It covers expenses from injuries to other people or property damage if you, the Frisco driver, are deemed at fault. Are you wondering, “what does liability coverage pay for?” Longo Toyota of Prosper is taking a close look at what it offers, should you get into a car accident in your new Toyota.

How Does Liability Insurance Work?

Both bodily injury and property damage are part of your overall liability coverage, and each can have their own set of liability limits. Even with the minimum limits that the state requires, you can pick your limits based on your comfort level. Below is a look at what liability insurance covers:

  • Bodily Injury
    • Any long-term nursing care that may be needed
    • Funeral expenses in the event of a fatal accident
    • Hospital and medical bills
    • Lost earnings
    • Pain and suffering
    • Rehab
  • Property Damage
    • Repair or replacement expenses
    • Necessary part replacement
    • Vehicle damage
    • General property damage (house, personal property, etc.)
    • Pets
2019 Toyota RAV4 Adventure in Woods

When it comes to liability car insurance, it’s important to remember that this coverage is for the victim of the accident and not the at-fault driver. It’s recommended to set proper limits on your liability coverage that matches how much you can offer.

Liability Coverage Limits

When it’s time to set up your plan with your Plano agent, discuss the amount of coverage needed, know the minimum coverage, and what exactly the insurance company will pay for. When it comes to coverage limits, they can either be split or housed as a single limit. And here is how that works:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage.
  • With a single limit, there is no total limit per person. The lump sum will spread across all those injured and all property damaged.

Learn More About Insurance Coverage at Longo Toyota of Prosper

Buying a new or used vehicle means going over, and understanding, all available financing, and auto insurance options thoroughly. Also, be sure you’re following state guidelines while also selecting the coverage that’s appropriate for your needs. Contact us anytime if you have questions!


Explore Our Models

  • Toyota Tundra Parts for Sale in Prosper

    The new Toyota Tundra is a powerful full-size pickup with excellent off-road capabilities, but what if you want to make it all your own? What if you want to carry out important repairs and maintenance at home in Frisco or Plano? No matter what Toyota Tundra OEM parts you’re looking for, you won’t need to…

  • What are the 2019 Toyota Camry Colors?

    Your 2019 Toyota Camry exterior color says a lot about your style, which is why Longo Toyota of Prosper offers Frisco and McKinney car shoppers a wide variety of exterior paint colors, ranging from a bold red to a neutral gray. We’ve listed out all of your options below! Learn More Contact Us View Camry Inventory Toyota Camry…

  • What are the 2019 Toyota RAV4 Trim Levels?

    The 2019 Toyota RAV4 configurations are priced between $25,650 MSRP* and $35,850 MSRP*, which means there is a new Toyota RAV4 model out there for everyone. No matter your budget, you won’t have trouble finding a Toyota RAV4 trim level with the features you need. Explore each of the RAV4 trim levels, then contact Longo Toyota of Prosper…

Saved
Saved Vehicles ×

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact
Contact Us ×

(972) 347-4973

Call Now

2100 W. University Drive • Prosper, TX 75078

Get Directions

Today's Hours:

Open Today! Sales: 8:30am-8pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Longo Toyota of Prosper

2100 W. University Drive Prosper, TX

Phone: (972) 347-4973

http://maps.google.com/?q=2100%20W.%20University%20Drive%2C%20Prosper%2C%20TX%2075078
33.2188042 -96.7669395
[schema type="organization" orgtype="LocalBusiness" url="www.longotoyotaofprosper.com" name="Longo Toyota of Prosper" description="" street="2100 W. University Drive" city="Prosper" state="TX" postalcode="75078" country="United States" email="Kara.Brinley@penskemotorgroup.com" phone="(972) 347-4973" logo="https://di-uploads-development.dealerinspire.com/longotoyotaofprosper/uploads/2017/10/LongoToyotaofProsperOGImage.png"]
Longo Toyota of Prosper
Longo Toyota of Prosper
2100 W. University Drive
Prosper, TX, 75078 United States
(972) 347-4973
https://di-uploads-development.dealerinspire.com/longotoyotaofprosper/uploads/2017/10/LongoToyotaofProsperOGImage.png
Longo Toyota of Prosper 33.2188042, -96.7669395.