Everything You Need to Know About Geico Liability Car Insurance Coverage

What is Car Liability Insurance?

Car liability insurance is a type of insurance that protects you against financial losses resulting from an accident where you are liable. It is the most basic type of car insurance coverage, as it covers the costs of damage to other people or property, but does not cover damage to your own car or injuries to yourself or passengers in your car. Liability insurance is typically required by law in most states, so it’s important to make sure you are adequately covered.

What Does Geico Liability Insurance Cover?

Geico’s liability insurance coverage includes bodily injury liability and property damage liability. Bodily injury liability covers medical bills and lost wages for the other party if you’re found to be at fault in an accident, while property damage liability covers damage to the other person’s car or property. In addition, Geico’s liability insurance also covers some legal fees, such as court costs and defense costs, if you’re sued after an accident. It does not, however, cover damage to your own car, or injuries to you or your passengers.

How Much Liability Insurance Should I Carry?

The amount of liability insurance you should carry depends on a few factors, including the value of the assets you own, the amount of debt you have, and the size of your income. Most states have minimum coverage requirements, but it’s usually recommended to carry higher limits of liability insurance in case you’re sued after an accident. Generally, it’s a good idea to carry at least $100,000 per person and $300,000 per accident in bodily injury liability, and $50,000 in property damage liability.

What Other Types of Coverage Does Geico Offer?

In addition to liability insurance, Geico offers a variety of other types of car insurance coverage, including collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Collision coverage pays for damage to your car from an accident, while comprehensive coverage pays for damage from non-accident related incidents, such as theft, fire, or hail. Uninsured/underinsured motorist coverage pays for your medical bills and lost wages if you’re hit by a driver who doesn’t have any insurance or doesn’t have enough insurance.

Do I Need an Agent to Get Geico Liability Insurance?

No, you don’t need an agent to get Geico liability insurance. You can get a quote and buy coverage online or over the phone. Geico also offers an online chat feature where you can speak with a customer service representative. Plus, you can manage your policy online or with the Geico app.

Conclusion

Geico liability insurance is a great option for drivers looking for basic car insurance coverage. It covers costs associated with damage to other people or property, as well as some legal fees if you’re sued after an accident. In addition to liability insurance, Geico offers a variety of other types of coverage, including collision, comprehensive, and uninsured/underinsured motorist coverage. You don’t need an agent to get a quote or buy coverage – you can do it all online or over the phone.