Auto Icon


Get affordable auto insurance in Kansas City, Missouri, Kansas & Illinois
Get a Quote
Home Icon


Homeowners, vacant property and landlord insurance in Missouri & Kansas
Get a Quote
Motorcycle Icon


We browse through a wide variety of coverages and find the right one for you.
Get a Quote
SR22 Icon


SR22 and non-owner insurance for Missouri, Kansas & Illinois
Get a Quote
Commercial Auto Icon

Commercial Auto

Commercial insurance for semi-trucks, dump trucks, box trucks and more!
Get a Quote
General Liability Icon

General Liability

Protect your business with general liability insurance!
Get a Quote
Home » Understanding Liability Auto Insurance
January 10, 2024
Bargain Insurance Connection

Understanding Liability Auto Insurance

Liability auto insurance is a critical aspect of any auto insurance policy. It’s primarily designed to cover the cost of the other party’s property damage or medical expenses if you’re at fault in an accident. This type of insurance is often deemed the minimum car insurance coverage required by many states.

Coverage of Liability Auto Insurance

Liability auto insurance typically covers two main areas. First, there’s ‘bodily injury liability’. This handles costs associated with injuries you’ve caused to others in an accident. Next, ‘property damage liability’ comes into play. It takes care of the expenses related to the damage you’ve caused to another person’s property, usually their vehicle.

Drawbacks of Liability Insurance Only

While liability insurance is essential, it has its limitations. One major downside is that it doesn’t cover your own damages. In an accident where you’re at fault, you’ll have to pay out of pocket for your vehicle’s repair or your medical bills. Another limitation is the risk of insufficient coverage of minimum coverage. If the damage costs exceed your coverage limit, you will be responsible for paying the difference.

Missouri Liability Insurance Limits

Missouri has specific minimum liability insurance limits. Bodily injury liability coverage stands at $25,000 per person and $50,000 per accident. Property damage liability coverage is set at $25,000. Although these are the minimums, it’s advisable to consider higher limits for better protection.

Best Liability Coverage Option

The ‘250/500/100’ coverage option is widely considered the best for liability insurance. This provides $250,000 bodily injury coverage per person, $500,000 per accident and $100,000 for property damage. It offers more comprehensive coverage, protecting you from significant financial harm in severe accidents.

In conclusion, while liability auto insurance is a legal requirement in many states like Missouri, it’s essential to understand its scope and limitations. It’s also crucial to ensure you have adequate protection against potential risks on the road.

Agent explaining liability auto insurance coverage o client

Does Liability Insurance Provide Medical Coverage for Myself?

No, liability insurance does not typically offer medical coverage for yourself if you’re at fault in an accident. It’s designed to cover injuries and property damage suffered by the other party in an incident where you are the at-fault driver.

If you’re injured as a result of an accident that was your fault, you’ll generally need to rely on your personal health insurance, or other auto coverage such as medical payments (MedPay) or personal injury protection (PIP) insurance (Kansas).

However, if an accident was caused by someone else and they are insured, their liability insurance should cover your medical expenses. Thus, the coverage and protection offered by liability insurance greatly depend on the nature and circumstances of the accident.

Do You Need to Have Liability Insurance in Missouri?

Yes, liability insurance is a necessity in most states, including Missouri. Each state stipulates different minimum liability limits. Violating these regulations can result in severe penalties, including license suspension. It’s essential to familiarize yourself with your state’s laws to ensure compliance and appropriate coverage.

Additionally, having liability insurance provides financial protection and peace of mind as you drive on the road. By understanding the specifics of your policy and considering higher limits, you can ensure that you have adequate coverage in case of an accident.

Bargain Insurance Connection and Liability Coverage in Missouri, Kansas, and Illinois

Bargain Insurance Connection, a trusted provider, offers comprehensive liability insurance in Missouri, Kansas, and Illinois. Our approach is straightforward, aimed at providing affordable and accessible coverage. Additionally, we maintain a keen focus on meeting and exceeding state-required minimums. Consequently, this ensures policyholders are adequately protected and legally compliant.

Our services are not limited to providing basic coverage. Indeed, we offer personalized solutions, catering to each driver’s unique needs. Thus, whether you’re exploring beyond the minimums or seeking the most cost-efficient option, Bargain Insurance Connection has you covered.

In conclusion, our commitment to customer satisfaction and comprehensive coverage makes us a preferred choice for liability insurance in these states.

Get Auto Insurance Quote

Read More:

What Is Comprehensive Insurance?

Does Auto Insurance Cover Rental Cars: What You Need to Know

Categories: Auto Insurance

Tags: Understanding liability auto insurance

Leave a Reply

Your email address will not be published. Required fields are marked *

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

©2024. All rights reserved. | Powered by Zywave Websites