Liability car insurance coverage has certain exclusions and limitations. Here’s what is excluded and how to manage your coverage.
Exclusions of liability car insurance
Liability car insurance may have exclusions that specify certain situations or circumstances where coverage does not apply. For example, intentional acts, driving under the influence, or using your vehicle for commercial purposes might be excluded from coverage. It’s important to review your policy carefully to understand these exclusions.
Limitations of liability car insurance
Liability car insurance also has limitations in terms of coverage amounts. Each policy has specific limits, such as per-person and per-accident limits, which determine the maximum amount the insurance company will pay for injuries or property damage. If the damages exceed these limits, you may be responsible for the remaining costs.
What are the additional coverages you can get to protect yourself further?
Liability car insurance is primarily designed to protect others in accidents that you cause. It does not typically provide coverage for your own injuries or damages to your vehicle. To protect yourself further, you may need additional coverages like collision insurance for vehicle repairs and personal injury protection (PIP) for medical expenses.
Conclusion
Liability car insurance coverage has exclusions that specify certain situations where coverage may not apply, and it also has limitations in terms of coverage amounts. To ensure you have the right protection, review your policy, understand the exclusions, and consider additional coverages for your own injuries and vehicle damages.
