While some car insurance is optional, such as gap insurance, liability insurance is required by law in most states. Auto liability insurance is a two-fold plan that covers bodily injury and property damage. So, what does liability coverage pay for? This insurance covers expenses from property damage or injuries to others if you’re at fault. Let’s take a closer look at this required form of insurance when you purchase a new Mercedes-Benz.
How does liability insurance work? While it covers both bodily injury and property damage, each can have their own set limits. Though many states set minimum limits to the coverage drivers are required to carry, you can choose to extend your coverage beyond those limits to a level you are comfortable with. Liability insurance covers the following:
One key point worth emphasizing is that liability insurance is for covering the victim of the accident, not the driver at fault. With that in mind, you’ll want to set limits that align with your finances in case injuries or damage go beyond your insurance coverage.
When it’s time to sign up for liability coverage, you’ll need to discuss setting your limits. When setting your limits, you can either choose to split them or housed as a single limit. Here’s how that works:
When purchasing a used or new vehicle, you’ll want to make sure you understand all of your available financing and auto insurance options. To make sure you’re following state guidelines, and also selecting the coverage that’s appropriate for your needs, speak with the members of the Mercedes-Benz of Des Moines finance department. If you have any questions, or want to learn more about our AMG® models, visit us in Urbandale or simply contact us online.
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