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Pays: Other people's expenses for accidents caused by drivers covered under your policy, up to your policy's dollar limits. These may include the other person's: |
medical and funeral costs, lost wages, and compensation for pain and suffering car repair or replacement costs auto rental while their car is being repaired punitive damages awarded by a court |
Liability insurance also pays attorney fees if you are sued and bail up to $250 if you are arrested. Covers: You, your family members, and other people driving your car with your permission, even if they don't have their own liability insurance and are not named on your policy. You and your family members also are covered when driving someone else's automobile - including a rental car - but not a car that you don't own but have regular access to, such as a company car. Who qualifies as a family member? Your auto policy covers your spouse, blood relatives, in-laws, adopted children, wards, and foster children living in your home, even if not named on the policy. Family members attending school away from home and a spouse living elsewhere during a marital separation also are covered. |
***The contents of this site are offered as a guide and do not guarantee coverage. Please review your policies for specific coverages. Coverages and exclusions may vary from carrier to carrier. |