Business Auto Insurance
Commercial Auto Liability Coverage
Liability insurance provides basic coverage when you are at fault in an accident and there is property damage or personal injuries involved.
There are always two specific coverages included in liability insurance: Bodily Injury and Property Damage.
Bodily Injury (BI) – If you are involved in an auto accident and are found to be at fault, the BI section of your Liability insurance policy pays for expenses and costs related to another person’s injuries. Bodily injury pays expenses when a person is injured or killed in the accident. It can provide coverage and protection for a number of issues such as medical care and hospitalization, funeral expenses, long-term care or rehabilitation, and pain and suffering among other things.
Property Damage (PD) – If you are involved in an auto accident that you are at fault for, the PD section of your Liability coverage will pay for damages you inflicted on someone else’s property. For example, PD coverage pays for repair costs to another person’s vehicle if you collided with it. Property damage can also pay the repair or replacement costs related to non-vehicle property damages, such as a house, fencing, or fire hydrants.
If you are sued because of an accident, your liability coverage can also pay the legal defense fees.