Chicago Liability Car Insurance

Insurance Guide Posted in Chicago Car Insurance

 Chicago Car Liability Insurance coverage provides a fixed dollar amount of coverage for damages

Liability Insurance coverage in Chicago provides a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence. For example, if an insured driver drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company). Chicago Liability Insurance coverage is available either as a combined single limit policy, or as a split limit policy

Chicago Car Insurance: Combined Single Limit

A combined single limit combines property damage Chicago liability insurance coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combine single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.

Split LimitsA split limit liability insurance coverage policy splits the coverages into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.

Bodily injury liability insurance coverage is also usually split as well into a maximum payment per person and a maximum payment per accident.

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