bodily injury liability coverage
Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.
Property damage liability coverage
Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident..!
Minimum and maximum limits on auto liability insurance
A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.
If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.
How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.!
Avoid costly rate increases with Accident Forgiveness
Accident Forgiveness, available in select states, is an auto insurance option that helps you avoid a rate increase following the first at-fault accident on your policy. As an added bonus, Nationwide extends Accident Forgiveness to other drivers on your policy – including teen drivers. But it can only be used for one forgiven accident per policy.
Save money in the long term
Accident Forgiveness insurance coverage is an option you buy, but the price of it can more than offset the rate increase that would kick in after an accident. Your insurance rate is based on a number of factors, like age and location, and an additional rate increase could make good coverage harder to fit into your budget. Accident Forgiveness can help you control these costs.!
Discounts on car insurance rates
We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.
On Your Side® Claims Service
After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.
As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.!
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.