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Are you looking for General Liability Insurance?
If you cause an accident that injures or even kills another person, the Bodily Injury (BI) portion of your Liability insurance will pay for the related expenses. Bodily Injury (BI) will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits you select.
If you cause an accident that damages another person’s property, the Property Damage (PD) portion of your Liability insurance will pay for the related expenses. Property Damage (PD) will cover the expense to repair or replace damaged items, including other vehicles, lamp posts, houses or even a pet, up to the limits you select.
Who needs liability insurance?
For-hire truckers operating under their own authority must have Liability insurance in order to obtain a filing.
Liability insurance limits and other details
Liability insurance requires you to select limits. These limits determine the maximum amount your insurance company will pay if you need to use the insurance coverage. Limits are described either as split limits or as a combined single limit.
Need vehicle liability limits above $1 million?
In certain states, we offer liability limits up to $2 million to satisfy the contractual requirements of some employers.
Split limits are three numbers that describe the following:
- Maximum Bodily Injury payment per person
- Maximum Bodily Injury payment for all people in the entire accident
- Maximum total Property Damage payment for all property in the accident
For example, if you choose split limits of $15,000/$30,000/$10,000:
- $15,000 would be the most your insurance would pay each person injured in an accident.
- $30,000 would be the most your insurance would pay for all people injured in the accident.
- $10,000 would be the most your insurance would pay for all property damaged in a single accident.
With a combined single limit, or CSL, only one number is used to describe the limits for both Bodily Injury insurance and Property Damage insurance. In this case, there is no specific limit per person, just a grand total maximum that will be paid for all injuries and property damage that you cause that result from a single accident.
For example, if you selected a combined single limit of $1 million, your insurance company would pay up to $1 million for all medical and injury-related bills and all property damage expenses that you caused in an accident.
Liability insurance example:
You can’t stop your van in time, and rear-end the car in front of you.
The other car’s bumper is damaged, and the other driver has a sprained wrist.
You have a combined single limit of $300,000 for your Liability insurance.
Since you chose a combined single limit (CSL) of $300,000, your total Liability expenses of $2,500 are completely covered by your insurance.
Liability insurance exceptions and restrictions
- If one vehicle on the policy has Liability insurance, all of the vehicles must have it.
- The selected Liability limits must be the same for all vehicles on a policy.
- Each state sets laws regarding how much Liability insurance its residents are required to have. This is known as your state’s minimum limits or minimum limit requirements.
Fortunately, Progressive knows the requirements for each state and will make sure you have at least the minimum amount of Liability insurance required to meet your state’s laws.
Liability Insurance, Progressive Commercial, non owner car insurance quote.