Buying Hanover car insurance liability coverage is a good first step in building a complete auto insurance package
The Hanover Insurance Group offers a wide variety of insurance policies for business and personal use. Hanover car insurance liability coverage offers minimum protection that covers other people in an accident in which you are at fault. It's an essential first line of defenese when you start building your personal and family auto insurance coverage package.
Know your state's requirements
Most states require drivers to carry liability coverage, even if they do not have any other types of auto insurance. In fact, every state has set minimum required levels of liability coverage required of licensed drivers. There are two forms or liability car insurance that work together: bodily injury and property damage liability coverage. The amount of coverage you have will show up on your insurance policy as a set of three numbers. For example, a 25/50/15 policy includes $25,000 maximum coverage for a single person injured in the other vehicle, $50,000 total coverage for all other injured parties, and $15,000 coverage for property damage. Every state sets minimums for these numbers but every insurance expert suggests that, whenever possible, drivers should acquire larger coverage amounts. While this will increase your monthly premium, you don't want to be involved in a severe accident and be responsible for damages your insurance company will not cover.
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The minimum amount of Hanover liability auto insurance liability coverage differs depending on which state you live in, so you should check with your Hanover agent to make sure you have enough coverage. It is important to have enough Hanover car insurance liability coverage to protect yourself. If you seriously injure another person, you could be sued and risk losing everything you own to pay your debt. It's best to choose the highest limits you can afford.
Consider a few other options
Hanover auto insurance liability coverage will not cover the costs to repair your own car after an accident. Even the safest driver is at risk for an accident, and without proper coverage, you could end up paying thousands of dollars in repair bills.
If your budget will allow it, you should seriously conider adding collision and comprehensive car insurance coverage to your liability car insurance with Hanover. The higher your deductible, the lower your monthly premiums will be, but you should keep in mind you do not want to have a deductible that you can't pay in the event that you are involved in a serious accident.
You may also want to look into add-ons like uninsured/underinsured motorists coverage and personal injury protection (PIP) or medical payments coverage. There are some states that will require you to carry uninsured/underinsured motorists coverage along with your liability coverage. There are also some no fault car insurance states that will require you to have PIP or medical payments coverage in place as well.
To fully understand what your legal requirements are and perhaps what additional coverage options and limit levels you should have in place, you may want to spend some time with a local, licensed car insurance agent. An agent will be able to answer any questions you may have about car insurance and can also show you some sample policies you can review before you have to buy. Reply! can help you find car insurance agents in your area who will be able to help you determine if Hanover car insurance liability coverage is a good first step for you.