I have never gotten into a car accident here and of course I don’t wish to. But in case I’ve been involved in one, what if my auto insurance coverage is not enough to pay for any damage or injury to other people?

Nathan

Lawton, OK

Having liability coverage for your auto insurance in Lawton, Oklahoma is very necessary. The state mandates particular levels of minimum auto liability insurance because that would be the coverage that would pay for the damage that you cause to other people, and that includes bodily injury and property damage. It would also pay for your legal bills if you are the one who causes the accident.

The bodily injury coverage would include the medical bills and lost wages; coverage for the repair or replacement of property that has been damaged such as other vehicles and properties you run into. It could also pay for “pain and suffering” damages if another person files a lawsuit against you after a car crash. However, that would only be up to your auto liability limits so keep in mind that your obligation does not end at your liability limits. In case your car insurance is not enough to pay for the damage or injury that you cause to other people, you are going to obliged on the hook to pay the remaining worth of damage that your insurance could not cover and you can be sued for it.