The policy is similar to the vehicle insurance but is limited to indemnify the insured who harm someone else or their property while operating a vehicle in any premises owned by or in the occupation of the insured or in connection with the loading or unloading of the motor vehicle. It also provides financial protection against claimant's costs and expenses, which the insured becomes legally liable to pay in respect of the death of or bodily injury to any person or damage to property.

Get A Quote

The Auto Liability Insurance policy is subject to the limitation of liability that indemnifies the insured in the event of an accident caused by the use of the vehicle in any building owned or occupied by the insured, or in connection with the loading or unloading of the vehicle against all amounts including the costs and expenses of the claimant that the insured becomes legally liable to pay in respect of death or bodily injury to any person or damage to property.

What is a Auto Liability Insurance policy?

Auto Liability Insurance policy covers property damage and/or injury to another person due to an accident in which the policyholder may be at fault, and in most cases the law requires you to obtain car insurance to protect you and others from any unforeseen accident.

The coverage offered by the civil liability insurance policy is divided into two parts: property damage and bodily injury.

Property damage cover pays for damage to another person's property.

Bodily injury cover provides payment to others injured in an accident caused by the insured vehicle.

What are the coverage limits covered by Auto Liability Insurance?

Liability coverage includes bearing the costs of property damage and bodily injury cover, where the property damage party covers damage to the property of the other party, and this can include damage to cars, parking lots, lampposts, or other property damaged by the accident. Other things may include:

  • Provide a rental car while repairing the other person's car.

  • Compensation for the reducing value, i.e. the difference between the value of the car if there is no damage at all and the value after the repairs are completed as before.

Bodily injury covers injuries sustained by another person as a result of the accident, including:

  • Medical treatment bills.

  • Medications and medical examinations required.

  • Compensation for the wage lost during the accident.

Since a third party may suffer significant potential material loss as a result of an accident caused by the insured, motor vehicle civil liability insurance coverage is the primary factor to protect the car owner from paying these costs all at once.

What are the exclusions not covered by the Auto Liability Insurance policy for a car accident?

Liability cover helps cover the damages you bear towards another party due to an accident, this means that it does not cover damage to the property of the insured or his personal injuries, as the damages and injuries suffered by the same person are covered by another insurance policy, and these errors include:

  • Collisions.

  • Medical Payments

  • Protection from personal injury.

  • Property injury insurance.

How much does Auto Liability Insurance cost?

The cost of civil liability insurance is part of the car insurance policy chosen by car owners, so the cost depends on many factors, as its cost can change depending on the type of basic policy you choose and the amount of coverage you would like to get.

Do car owners need to obtain Auto Liability Insurance?

Civil liability insurance helps protect car owners from material loss if another person is injured or injured during an accident, or if there is property lost during the accident.

The policy helps protect you by paying damages and injuries covered in accidents resulting from the fault, without having to bear those burdens.