Mercury Insurance car insurance liability coverage: things you should know

Before purchasing any car insurance coverage policy, you should know and understand the car insurance requirements of your state. Once you have that information, talk to an agent about Mercury Insurance car insurance liability coverage. This type of coverage will help you comply with state insurance requirements and prevent you from having to pay big bills out of pocket should you get involved in an accident that injures someone else or damages another person's car or property.

What liability covers

Liability coverage pays for any damages you cause in an accident. These damages include lost wages and medical bills for the driver of the other vehicle, damage to the other driver's car and damage to the other driver's personal property. There are two major types of liability car insurance: bodily injury and property damage liability. The bodily injury portion of your liability coverage will pay to help treat the injuries you cause others in an accident that is your fault. Property damage liability will pay to repair damage you cause to a car or somebody's property in an accident you cause.

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If you have Mercury Insurance car insurance liability coverage, it may also pay for legal services to defend yourself if someone sues you for pain and suffering related to an accident. Each state sets a minimum level of both bodily injury and property damage liability required of licensed drivers. Your coverage limits, which do not have to be confined to your state's legal requirements, will dictate how much the company pays.

How much coverage should you get?

The state you live in can make a big difference when you purchase Mercury Insurance car insurance liability coverage. Some states have quite low liability limits. Alaska and Maine have some of the highest minimum liability car insurance requirements in the United States, while Florida has some of the lowest.

Mercury Insurance agents can help you pick a policy that will keep you legal to drive in your state, and they will likely suggest that, if you can afford it, you put in place levels higher than your state's minimums. The reason for this? Let's say you live in a state like California where the minimum required property damage liability coveage is $5,000-per accident and you are only carrying the minimum required. Let's say you rear-end someone driving a newer car and sheer off the entire bumper, damage the exhaust and emmissions system and crack the rear axle. How far do you think that $5,000 is going to go toward repairing that damage? Once that $5,000 is gone, you could be on the hook for the balance.

Consider other options

If you choose Mercury Insurance, auto insurance liability coverage is just one of the products available. Drivers who prefer to hold more than the minimum coverage required can also purchase comprehensive and collision coverage in addition to their Mercury Insurance car insurance liability coverage. While liability insurance only pays for damages caused to others, collision insurance pays for any damage to your vehicle. Comprehensive coverage pays for damages caused by anything other than an accident. If a thief smashes your window or a tree falls on your car, this type of damage will be paid for by your comprehensive coverage.

Discounts are available

If you purchase liability car insurance, Mercury Insurance might even give you a discount based on your good driving record, membership in professional organizations or use of an anti-theft or certain safety systems on your vehicle. Student drivers can also save money by getting good grades in school.

Liability auto insurance is just the first step in building a sound car insurance coverage policy. To understand all the options you should be carrying, you may want to sit down with a licensed car insurance agent with access to companies like Mercury Insurance. An agent will be able to show you several options for coverage, illustrating varying levels of protection and a range of rates to fit any budget. Reply! can put you in touch with car insurance agents in your neighborhood who can help you make an informed car insurance buying decision.