McClain Matthews Insurance
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • LIfe & Financial Quotes >
      • Life Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment >
      • Payment to Agency
      • Direct payment to Company
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • LIfe >
      • Life Insurance
    • Other >
      • Boat Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • LIfe & Financial Quotes >
      • Life Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment >
      • Payment to Agency
      • Direct payment to Company
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • LIfe >
      • Life Insurance
    • Other >
      • Boat Insurance
      • Umbrella Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
  • Contact

McClain Matthews Insurance Blog

How Much Liability Insurance Do You Need On My Car?

5/22/2023

0 Comments

 
Picture
​Every state has its minimum requirements for auto insurance, so check what is required in your area before making any decisions. Generally, most states require drivers to carry at least a minimum liability insurance on their vehicles. Auto insurance coverage will pay for any damages or injuries you may incur in an accident up to the limits specified in the policy.
What is Auto Liability Insurance?
Auto liability insurance is a type of coverage that protects policyholders from financial losses resulting from damages or injuries caused by their vehicle. 
  1. Bodily Injury Liability Coverage
    Bodily injury liability coverage covers the costs associated with any physical harm suffered by another person, such as medical bills, lost wages, or pain and suffering damages if you’re found negligent in an auto accident.

  2. Property Damage Liability Coverage
    Auto insurance with property damage liability coverage benefits you the most as it covers the costs associated with any property damage caused by your vehicles, such as repairing or replacing a damaged car, fence, or other structure.

State Liability Requirements

Specific states require greater minimums. Take California, for instance; the liability limits are 15/30/5, while Texas demands 30/60/25. You can opt for higher liability limits to save even more on car insurance. Auto insurance will cover more of the costs associated with an accident, giving you peace of mind in case of a significant collision.

The Costs of Being Underinsured
If you’re in an accident and the damages exceed your policy’s limits, you’ll be forced to pay out-of-pocket for any costs above what your insurance covers.

If you don’t have enough coverage and the other driver sues, you could still be on the hook for the difference. That’s why ensuring you have sufficient liability insurance in case of an accident is essential.

How To Buy A Car Insurance?
When buying car insurance, you should know your coverage needs and limitations. Before signing with a car insurance provider, inquire about potential discounts they may offer. 

At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!
0 Comments



Leave a Reply.

    Contact Us

    (317) 298-7500
    6329 Hollister Drive
    Indianapolis, IN 46224​​
    Click Here to Email Us

    Archives

    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    October 2023
    September 2023
    August 2023
    July 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    March 2022

    Categories

    All
    Auto Insurance
    Business Insurance
    FAQs
    Financial
    Flood Insurance
    General Liability Insurance
    Home Insurance
    Insurance
    Local
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

McClain Matthews Insurance
6329 Hollister Drive
Indianapolis, IN 46224​
(317) 298-7500
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash