Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Personal Auto Liability Coverage

Part A of the personal auto policy contains the provisions relating to liability coverage. This section of the policy consists of the liability insuring agreement, supplementary payments provisions, exclusions, and clauses dealing with the limit of liability, out of state coverage, Financial responsibility, and other insurance.

The first paragraph of the insuring agreement contains the pledge of the insurer to pay damages for bodily injury or property damage For which the insured becomes legally responsible because of an auto accident. This paragraph also contains the insurers pledge to defend the insured in a lawsuit seeking damages. Of course, these two pledges are not without conditions. 

The insurer promises to pay damages for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident the point here is that an insured has to be legally responsible for the bodily injury or property damage. To insurer will not pay just because an auto accident happened and somebody was injured.

We offer a wide range of personal auto policy liability coverages in Beckley West Virginia and surrounding areas. If you need liability coverage for further explanation of the insuring agreement, feel free to contact us anytime. We are located at 2955 Robert C Byrd Drive in Beckley West Virginia alternatively our phone number is 304-252-6568.