The Wallace Insurance Agency

Personal Injury Liability Coverage

Understanding Personal Injury Liability Coverage: Protection for Accidental Mishaps.

Personal Injury Liability Coverage is a type of insurance that protects you financially in the event that you cause an accident and someone is injured as a result. This coverage helps to cover the injured person’s medical expenses, lost wages, and other damages. For example, if you accidentally rear-end another driver and they sustain whiplash, your Personal Injury Liability Coverage would pay for their medical bills and any wages they may have lost due to their injury. This coverage is typically included as part of your auto insurance policy and is required by law in most states. It is important to note that Personal Injury Liability Coverage does not cover your own injuries or the damages to your own vehicle. It is specifically designed to protect you from being held personally responsible for someone else’s injuries and related expenses. The amount of coverage you have will depend on the limits you choose when purchasing your policy. It is always a good idea to review your coverage limits and consider increasing them if necessary, as medical expenses and other costs associated with injuries can add up quickly. Personal Injury Liability Coverage provides peace of mind and financial protection in the unfortunate event that you are at fault in an accident and someone is injured.

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