When you are building your new policy with Pemco car insurance, liability coverage will be the first option you should consider
The proper auto insurance policy can protect you from having to pay for damage to other vehicles or passengers in an accident you cause. Your Pemco car insurance liability coverage will pay up to your coverage limits when you're at fault for injury to another person or damage to other people's property. The company will also pay for your court costs.
Understanding your coverage
Your Pemco auto insurance liability coverage will vary depending on the limits you select, but it generally comes in two parts: bodily injury and property damage liability. When you choose your limits, you'll usually see three numbers. The first two numbers refer to the maximum amount your Pemco car insurance bodily injury liability coverage will pay for injuries you cause to other drivers and/or passengers in any accident which is determined to be your faiult. The first number refers to maximum coverage limits for injuries to a single pseron in an accdient and the second number is the total maximum coverage for injuries to two or more parties. The third number refers to the maximum level of coverage for property damage you cause in an accident that is your fault.
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Each state sets a required minimum level of coverage for both bodily injury and property damage liability and while you can legally drive with the minimum amount of coverage, many experts recommend you have higher limits. Most insurance experts suggest that drivers carry a policy with liability limits of at least 100/300/100.
Consider adding to your liability coverage
It can be beneficial to add more coverage than just liability auto insurance. Pemco has nearly a dozen additional coverage options for you to consider that will add protection for you and your family.
For example, in addition to your Pemco car insurance liability coverage, it can be a good idea to add options like underinsured bodily injury and property coverage, collision coverage, and comprehensive coverage.
Uninsured/underinsured coverage can be very helpful if you get into an accident where the other driver is at fault. It ensures you'll be compensated for damages to your car, medical costs, lost wages and more if the other driver has no insurance or has low levels of coverage. Underinsured property and bodily injury coverage from Pemco will pay for damage to your property and medical care for you and your passengers in the event the other driver's insurance is unable to. This coverage is also required in a few states in addition to your liability insurance requirements.
If you're involved in an auto accident that's your fault, you'll be expected to pay for damages to the other driver's property in addition to medical costs and lost wages for the driver and any passengers. That's why having the proper car insurance plan in place is so important and why you should seriously consider Pemco car insurance liability coverage. If you don't have a car insurance agent or if you just want a few more options to consider, we can help. Reply! can put you in touch with car insurance agents near you who can answer all your questions and help you put the right package of car insurance coverage options in place to protect you and your family.