{"id":407,"date":"2016-04-14T07:30:15","date_gmt":"2016-04-14T07:30:15","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=407"},"modified":"2016-04-09T04:48:52","modified_gmt":"2016-04-09T04:48:52","slug":"extra-liability-insurance-and-who-needs-it-most","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=407","title":{"rendered":"Extra Liability Insurance (And Who Needs It Most)"},"content":{"rendered":"

\"April_Blog_2\"<\/a><\/p>\n

Liability insurance is what protects you when you cause damage to another person.\u00a0 If you hit someone else\u2019s car, your liability insurance pays to fix it.\u00a0 If someone is injured in an accident that you caused, then liability insurance pays for their medical bills.<\/p>\n

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But how do you know the amount of coverage you need?\u00a0 And what happens if you don\u2019t have enough?\u00a0 Here\u2019s what you need to know:<\/em><\/p>\n

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There is a minimal amount of liability coverage that is required by the state in order to drive a vehicle.\u00a0 But here\u2019s the thing to keep in mind.\u00a0 If you cause damage that exceeds<\/em><\/strong> that amount of liability coverage you have, then you\u2019ll<\/strong> be responsible<\/strong> for the difference<\/strong>.\u00a0\u00a0 And if you can\u2019t pay it, there could be a lawsuit<\/strong><\/em> in your future.<\/p>\n

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If you own your home or have additional assets, then you need more than the minimum amount of liability coverage.\u00a0 Here are some other risk factors.<\/p>\n

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Rental Property: If you own rental property, you need extra liability coverage.\u00a0 If someone is injured on your property, then you could be held responsible.\u00a0 Even a small dog bite could cause a problem if you\u2019re not insured properly.<\/p>\n

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Teen or College Drivers:\u00a0 If you have young drivers, you\u2019ll want to have additional liability coverage, even if they are not on your auto policy right now.\u00a0 Your college student may have their own coverage and live away from home, but if you\u2019re still responsible for them and financially support them, you could be responsible for accidents that they cause.<\/p>\n

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Watercraft.\u00a0 If you own a boat, jet ski, or other watercraft, then you\u2019ll want more liability coverage.\u00a0 Boat expenses and injuries can add up quickly and you\u2019ll want to have plenty of protection in place.<\/p>\n

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The best way to determine the amount of liability coverage you need?\u00a0 Work with a local agent who can identify all of your risk factors and explain each coverage fully.\u00a0 You can\u2019t get that from a 1-800 number (except ours)!<\/p>\n

Call us today to review your policy and get a quote.<\/p>\n

Zappia Insurance and Financial Group<\/strong><\/p>\n

Toll-Free 1-800-569-2867, Du Bois (814) 371-4901, Pittsburgh (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Liability insurance is what protects you when you cause damage to another person.\u00a0 If you hit someone else\u2019s car, your liability insurance pays to fix it.\u00a0 If someone is injured in an accident that you caused, then liability insurance pays for their medical bills.   But how do you know the amount of coverage you […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[8,11,10,9,96,48],"tags":[],"class_list":["post-407","post","type-post","status-publish","format-standard","hentry","category-boat-insurance","category-car-truck-insurance","category-homeowner-tips","category-insurance-tips","category-landlords-insurance","category-teenage-drivers"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-6z","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/407","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=407"}],"version-history":[{"count":1,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/407\/revisions"}],"predecessor-version":[{"id":409,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/407\/revisions\/409"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}