Auto Liability Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Whenever you drive, you’re expected to share the road, and this means being as responsible a driver as possible. However, you can’t avoid the risk that you will make a mistake behind the wheel and potentially put both yourself and others in harm’s way. If a wreck is your fault, then you might have to take responsibility for the harm you cause others, including the costs of their injuries or property damage. Your auto insurance policy can provide liability insurance to assist you with this need.
Auto liability insurance is not something that you should be without at any time, and in many states, it’s mandatory for all drivers to have. The Insurance Pad is here to help you get the perfect balance of mandatory coverage and more expansive protection. We insure drivers throughout Beachwood, Cleveland, and greater Ohio and we are committed to making your auto liability coverage the perfect fit for you.
Call us at 216-464-3333 or request your free auto insurance quote online now!
What is auto liability insurance?
To be liable for something is to be responsible for it, which is why most states have liability laws that define when a driver is and is not responsible for an accident. These are sometimes called at-fault laws, and they make drivers who cause accidents responsible for paying for both their own damage and the damage they do to others.
If you are at fault for a wreck, then you can use auto liability insurance to pay for the damage you do to others. This coverage specifically applies to third-party losses, rather than property damage or injuries you yourself might sustain. Therefore, you usually must carry this coverage in conjunction with other auto insurance benefits.
How does auto liability insurance work?
When an auto accident is your fault, a third-party driver, pedestrian or other individual can file a claim against your own auto policy to pay for the losses they sustained. This coverage will provide them with the assistance they deserve without forcing you to pay out of pocket. That way, both parties can move on from the accident with minimal personal financial impacts.
Suppose, for example, that you rear-end another vehicle at a stoplight. Because the other vehicle was stopped and you were moving, then the accident is likely to be deemed your fault. The other driver would then retain the right to file against your auto liability insurance to cover their medical bills, vehicle damage and other related expenses.
What does auto liability insurance cover?
The average liability policy offers two components of coverage:
Am I required to buy auto liability insurance?
Bodily injury coverage: This benefit pays for third-party injury costs and certain related expenses. Most policies offer perperson and per accident bodily injury limits. If more than one person is injured in a wreck, then the per person limit will apply to the costs of each injured party’s losses, while the per accident limit will apply to all injuries sustained by all parties.
Property damage coverage: All third-party property damage (such as vehicle damage) will be subject to a single limit. Therefore, if more than one car were damaged in an accident, the single limit applies to the combined costs of each party’s damages.
Nearly all states require drivers to carry minimum limits of liability insurance. Those who fail to do so will face penalties if they are caught driving uninsured or underinsured.
In Ohio you are required to purchase the following coverage:
It is law in Ohio that you must have insurance to drive any motor vehicle. A vehicle owner may not allow anyone else to drive their motor vehicle without insurance. Proof of insurance must be shown at traffic stops, accident scenes, and vehicle inspections.
Minimum required for insurance coverage:
$25,000 for injury/death of one person
$50,000 for injury/death of two or more people
$25,000 for property damage in an accident
You are highly encouraged to carry higher limits than just the minimum mandatory coverage. The more you have, the more assistance you will have available if someone files a claim against your policy.
You should also enhance your plan with other benefits like collision, comprehensive and uninsured/underinsured motorist coverage. These benefits are designed to pay for your own vehicle losses in cases where you are responsible for paying for them.
Let The Insurance Pad help you obtain auto liability insurance for your needs. We can help you choose a policy from within our network of trusted carriers, and we guarantee that we will get you the coverage that always provides you with the best value for your budget.