Car insurance has taken a number of forms over the years. With each of the carriers constantly advertising how much money can be saved by switching to their insurance company, many people lose sight of why car insurance is purchased in the first place. Liability insurance, which is required in most states, is there to protect the person who is at fault in the accident as well as the injured party in any accident.
Liability insurance protects an individual who causes an accident in that it reduces the amount of personal saving or assets that will need to be used to cover the other driver’s damages. With damages frequently reaching into the thousands of dollars, it is not hard to see how someone might not have that much money sitting around to cover all costs of the accident. By the same token, those who are the victims in a liability accident at protected in that there is more of a guarantee that their car will be repaired and their medical bills will be paid.
Liability coverage is divided into coverage for bodily injury liability and property damage liability. These two parts of liability coverage protect exactly what they sound like they protect. Bodily injury liability is responsible for covering the damages to a driver or passenger’s person. This can include medical bills, long-term care costs, or anything else that has been damaged on the person who was the victim in the accident.
Property damage liability is in place to cover the damage done to an individual’s property, whether this is repairs to a car or a house or some other structure. It protects the victim from being forced to foot the bills to repair his or her car or anything else that is damaged in the accident.
Contact a Milwaukee Car Accident Attorney
If you have been injured in a car accident, contact the Milwaukee car accident attorneys of Habush Habush & Rottier S.C. ® at 800-242-2874.