Muller Honda Pre-Owned

What Does Liability Insurance Cover?

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Automotive liability insurance is a two-fold plan that will cover both bodily injury and property damage, and is required by law in most states. Though these two coverages are separate, states that require this insurance coverage also require both plans. It is important to remember this will cover expenses from property damage or injuries sustained if you, the Arlington Heights driver, are at fault. So, you may be asking, “what does liability insurance coverage pay for?” Well, Muller Honda Pre-Owned is here to tell you so that you’re better equipped when you buy your used Honda in Highland Park.

How Does Liability Insurance Work?

Both bodily injury and property damage are part of your overall liability coverage, but each can have individual limits set. States will set there own minimum laws, although you can set your own limits based on how much you feel comfortable spending. Liability insurance covers the following:

  • Bodily Injury
    • Rehab
    • Lost earnings
    • Medical and hospital bills
    • Pain and suffering
    • Any long-term nursing care that is needed
    • Funeral expenses in the event of a fatal crash
  • Property Damage
    • Vehicle damage
    • Pets
    • Repair expenses
    • Necessary part replacement
    • General property damage (house, personal property, etc.)

Again, keep in mind this insurance coverage is for the victim of the accident, not for the driver who is at fault. Also remember to set proper limits on your coverage that fall within your range of what you’re comfortable offering.

Liability Coverage Limits

You’ll want to discuss coverage limits when setting up your plan with your Gurnee financial agent. You can either split limits, or keep a single limit. Here’s how that works:

  • Split limits allow you to set individual payment maximums for all property damage, all people injured, and bodily injury per person
  • Under a single limit, there is no total limit per person. Rather, the lump sum is shared evenly across all injuries and property damage

Get Your Insurance Coverage from Muller Honda Pre-Owned

Whether you’re trying to learn how to refinance a car loan, if you need full coverage on a used financed car, want to know what TPMS means, learn more about the Honda battery warranty, or talk through insurance rates, or just need some financial guidance, we’re here to help! Contact us or visit our used Honda dealership near Gurnee today to get started!

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(847) 831-4100

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150 Skokie Valley Road • Highland Park, IL 60035

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Muller Honda Pre-Owned

150 Skokie Valley Road Highland Park, IL

Phone: (847) 831-4100


Phone: (847) 831-4100

150 Skokie Valley Road Highland Park, IL
42.1553485 -87.8048283
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Muller Honda Pre-Owned
Muller Honda Pre-Owned
150 Skokie Valley Road
Highland Park, IL, 60035 US
(847) 831-4100
Muller Honda Pre-Owned 42.1553485, -87.8048283.