什么是汽车责任pp王者电子官网?

The minimum amount of liability 报道 you’re legally required to carry varies by state. Your premium cost for liability 报道 may increase based on the amount of 报道 you purchase.

• The premium increase may be smaller than you’d expect. And keep this in mind: your premium with additional liability 报道 is likely to cost you less than what you’d pay if you’re in an accident 和 not properly covered.
• If you decide not to purchase additional liability 报道, you should ask yourself this: “How much can I afford to pay out of my own pocket if I'm responsible for an accident?"
• Minor "fender-benders" are often covered by the liability 报道 minimums set by your state. But it only takes one accident to disrupt life as you know it.

为什么 not further protect your family 和 assets by choosing higher liability 报道?

而“全面覆盖”并不始终如一, 跨提供者定义的产品, it can mean having a package of customer-selected 报道s that provides you the protection that meets your needs. It can mean you have both liability 和 physical damage 报道, like 全面的 和 碰撞 报道. 请记住，有可选的pp王者电子官网，比如 租赁 和 紧急路边服务 你也可以考虑一下.

它的价格取决于你的pp王者电子官网范围.

While most states require drivers to carry basic liability insurance, which offers the minimum 报道 limits required by law, it’s a good idea to consider purchasing higher 报道 limits than your state requires.

为什么? Let’s say you were distracted while backing out of a parking space 和 you didn’t see a car behind you that happened to be driving by. And then you hit that car, slightly injuring the driver 和 her passenger.

After an investigation, you’re determined to be “at fault” for the accident. Your auto liability 报道 will help pay for the damage to the car you hit as well as for the medical bills (和 other costs) from the injuries sustained by the driver 和 the passenger, 包括痛苦和折磨, 损失的工资超过了你的pp王者电子官网限额.

If the damages you cause exceed the liability limits you have chosen, you could find yourself personally liable for all of the costs that exceed the amount your insurance policy can pay. 如果你无力支付这些费用, 这可能会导致后果, 比如加薪, 对你财产的留置权，甚至是诉讼费.

To fully underst和 the difference between minimum liability 报道 和 the amount of 报道 you may actually need, 联系 State Farm®代理.

Most states require some form of liability 报道.

覆盖选项, 免赔额, 折扣可能会影响你的保单成本, 还有你的驾驶记录, 信用评分(如法律允许), 以及其他第三方报告.