What Does Liability Insurance Cover?

Couple looking at touchpad at home

Automotive liability insurance – required in most states – is a two-fold plan that covers bodily and property insurance. While they are separate, both are required. It covers expenses from injuries to other people or property damage if you, the Ballwin driver, are at fault. So, what does liability coverage pay for? BMW of West St Louis is taking a closer look at what it offers, should you get into a car accident in your new BMW.

How Does Liability Insurance Work?

While both bodily injury and property damage falls under the liability coverage, each could have their own set limits. Though there are minimum limits set by the state, you can still set your own limits based on how much you can afford. Liability insurance covers the following:

  • Bodily Injury
    • Any long-term nursing care that may be needed
    • Funeral expenses in the event of a fatal accident
    • Lost earnings
    • Medical and hospital bills
    • Pain and suffering
    • Rehab
  • Property Damage
    • General property damage (house, personal property, etc.)
    • Necessary part replacement
    • Pets
    • Repair expenses
    • Vehicle damage

When it comes to the question, how does liability insurance work, it’s important to remember is that this coverage is for the victim of the accident and not the at-fault driver. You also want to set proper limits on your liability coverage that align with how much you’re able to offer. Speak with our finance experts to walk through setting a limit that works for you.

Liability Coverage Limits

You will discuss your coverage limits when setting up your plan with your Ladue agent. Here’s how that works:

  • A split limit allows you to pick individual maximums for bodily injury payments per person, for all people injured, and all property damage.
  • With a single limit, there is no total limit per person, and the lump sum will simply be spread across all those injured and all property damaged.

Learn More About Insurance Coverage at BMW of West St Louis

We have answered of what liability insurance covers, and now it’s time to make a trip to visit our finance team at our Manchester dealership. Contact us with additional questions about the auto liability insurance definition and how it all works. We look forward to making your car-buying experience at BMW of West St Louis stress-free and enjoyable.

Explore Our Models

  • BMW X5 Accessories

    With the high-quality BMW accessories at BMW of West St Louis, your local authorized BMW center, both Ballwin and Ladue drivers can get the parts and accessories that will enhance the cabin, protect the exterior, and upgrade the tech in their BMW X5, or other BMW model. Learn more about the BMW X5 accessories available and make your way…

  • What is the Towing Capacity of the 2019 BMW X3?

    The 2019 BMW X3 can tow up to 4,400 pounds. That’s plenty of power for most Ladue drivers. Learn more about the towing, payload, and performance capabilities of the exciting new X3 before stopping by BMW of West St Louis to set up a test drive. Learn More BMW X3 for Sale BMW X3 Towing Features The 2019 BMW…

  • 2019 BMW X5 Interior

    From the exterior inward, the 2019 BMW X5 offers sleek styling and premium finishes. If you have been looking for a spacious, luxury SUV take a moment to explore the 2019 BMW X5 interior. You will find the X5 provides plenty of features to optimize comfort and keep you entertained, then explore X5 accessories at…

Saved Vehicles ×


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us ×


Call Now

14417 Manchester Rd. • Manchester, MO 63011

Get Directions

Today's Hours:

Sales: Closed

Service: Closed

Parts: Closed

BMW of West St Louis

14417 Manchester Rd. Manchester, MO

Phone: 636-227-5454



Phone: 888-691-2829

14417 Manchester Rd. Manchester, MO


Phone: 866-932-6007

14417 Manchester Rd. Manchester, MO


Phone: 314-487-4004

14417 Manchester Rd. Manchester, MO
38.5937389 -90.5172938
[schema type="organization" orgtype="LocalBusiness" url="www.bmwofweststlouis.com" name="BMW of West St Louis" description="" street="14417 Manchester Rd." city="Manchester" state="MO" postalcode="63011" country="US" email="sales@suntrup.com" phone="636-227-5454" logo="https://www.bmwofweststlouis.com/wp-content/themes/DealerInspireDealerTheme/images/logo.png"]
BMW of West St Louis
BMW of West St Louis
14417 Manchester Rd.
Manchester, MO, 63011 US
BMW of West St Louis 38.5937389, -90.5172938.