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Accidents can happen at any time, which is why it’s crucial to have proper auto insurance. Liability insurance is the portion of your policy that covers any damages to another person and their property from an accident you caused. Serving residents throughout Wisconsin, the agents at Barron Mutual Insurance Company provide a wide range of coverage options, including homeowners, farm, mobile home, and rental property insurance; below, they discuss everything you need to know about liability insurance.

What Does Liability Insurance Cover?

liability insuranceLiability insurance covers the other driver and passengers’ injuries or death in accidents which you are at fault. This includes anyone you may have harmed with your vehicle, compensating their medical expenses, funeral expenses, loss of income, and pain and suffering. Liability insurance also covers damaged property and your legal defenses, but does not cover damages to your vehicle or personal injuries you may have sustained in the accident.

Am I Required to Carry Liability Insurance?

While the legal guidelines depend on the state, most do require you to have at least the minimum liability insurance coverage. Other states have financial responsibility laws, which require that you must be able to provide compensation to someone you harmed while driving.

How Much Liability Coverage Do I Need?

Before you purchase liability insurance, you should check your state’s laws to determine the minimum coverage you need. Wisconsin, for instance, requires a liability insurance of at least $25,000. While you only need to purchase the minimum, it’s important to consider a policy with higher limits as this can offer you better protection.

If you’re looking to purchase liability insurance or another policy, you can count on the professionals at Barron Mutual Insurance Company for a fair quote. Call (715) 537-5141 to speak with an agent today, or visit their website for more information about their comprehensive list of services. 

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