What Does Liability Insurance Cover?

What does liability insurance cover? What is the auto liability insurance definition? What does liability coverage pay for? Most states require by law that drivers have liability insurance, a two-part plan that covers property damage and bodily injury. That means that if you are at fault in an accident in the Naperville area, your liability insurance will cover expenses from injuries to other people or damage to property. Get the answers to all of your questions by taking a closer look with River View Ford.

How Does Liability Insurance Work?

While liability insurance serves as the umbrella under which bodily injury and property damage remain, each component comes with individual limits. Certain states set minimum limits, but Montgomery-area drivers also have the option to adjust their limits based on what makes them comfortable. In order to set these limits, take note of what liability insurance covers:

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

Remember: liability coverage is meant for victims of accidents, not for the driver at fault. And in order to protect yourself financially in the event of an accident, you’ll want to set proper limits on your liability coverage.

Liability Coverage Limits

As you explore your liability insurance options, consider your two options: splitting limits or maintaining a single limit. Here’s the difference:

  • With a split limit, Yorkville-area drivers can select individual maximums for property damage, all people injured, and bodily injury payments per person.
  • With a single limit, a lump sum will be spread across the costs of all those injured and all property damaged.

Secure Insurance Coverage with River View Ford!

When you purchase a new Ford or a used vehicle, there’s certainly more to consider than your financing options. You must also account for auto insurance, making sure to follow state guidelines and selecting the appropriate coverage for your needs. Have any questions? Get in touch with River View Ford near Naperville for more information!

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


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

Contact Us


Call Now

2200 US Highway 30 • Oswego, IL 60543

Get Directions

Today's Hours:

Sales: Closed

Service: Closed

Parts: Closed

River View Ford 37.1717374, -95.1100793.