Automobile Insurance – Liability Coverage


Heacock offers the Best Coverage Solution for you and your family

Sometimes even the most responsible drivers have an automobile accident. If you do, you need to make sure you have the right coverage. If you are involved in a collision, auto liability coverage helps pay damages caused by the incident. Your liability coverage compensates the other driver or passengers if you are deemed responsible. It pays medical or property damage to the other party. It’s important to know what your limits are to be sure you have adequate coverage.

There are two types of liability insurance, bodily injury and property damage. When you are considered “at-fault” your liability insurance will pay medical expenses, loss of income or pain and suffering caused by the accident. If you are sued due to the accident your liability insurance will help pay for your defense. This could be critical if you are involved in a serious crash.

Our professional staff in Lakeland and Sebring offices can help you decide on coverage amounts appropriate for your situation and budget. Things to consider are how much are you willing to pay out-of-pocket should you have to pay for damages? If you have sizeable assets, you may want to consider higher limits or even including a Liability Umbrella policy to be sure you have the coverage necessary in case you are sued or there is litigation.