Why is liability an important coverage for all drivers in Connecticut?

Most primary insurance policies come with limited liability like home, boat, and auto insurance.  So, what’s so important about liability in Berlin, CT. Society today has become more litigious than ever before. You can be found guilty of just about anything. Liability is even more critical when you own a car because it shields you from financial loss when you cause an accident. Here are a few reasons why liability is important coverage for every driver.

The Connecticut law requires it

All Connecticut drivers must carry a minimum liability of bodily injury liability and property damage liability, and uninsured/underinsured motorist coverage. Both bodily and property damage ensure that you’re financially responsible for any damage or injury you cause to other motorists.

Protects you against lawsuits

The main reason to buy enough liability is to ensure that your premiums can pay legal fees in case you’re sued for a car accident that led to serious injury to another person. Bogden Insurance Agency recommends speaking to your insurance advisor to determine how much liability is enough for you.

Protects against injuries

Most accidents are associated with injuries, some of which can be severe. When you cause an accident that injures another or other people, you will be held accountable for their injuries. Your liability coverage will pay for their injuries, income loss, and other impacts like trauma and pain.

Protects against property damage

If you cause an accident that damages another person’s car, wall, home, or fence, you will be asked to pay for the damages. You might also get sued for these damages, and the fines can be hefty.

Looking to buy auto insurance in Berlin, CT? Experts at Bogden insurance Agency can help secure a customized policy just for you. Let us help you.