Third-party liability coverage pays damages you cause to others in a covered loss — up to the policy’s limits.  When selecting those limits, it’s important to know the value of assets you want to protect.  Add up the value of everything you own: your primary and vacation homes, savings and investments, cars and recreational vehicles, and any collectibles. Ideally, choose liability limits that are high enough to protect the total value of these assets. 

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2019. Nationwide Mutual Insurance Company.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
In the states with no-fault insurance, insured drivers are typically paid for medical expenses by their own insurers, regardless of who caused the accident. Nonetheless, BI liability coverage is still required in no-fault states because if injuries are bad, the at-fault driver may be sued by the injured party. If that happens, your BI coverage can help cover your liability expenses.

Statistically, teen drivers and seniors are more likely to figure in an accident. As such, most insurance companies consider them more risky and expensive to insure compared to other drivers. Younger drivers tend to commit mistakes, such as tunnel vision, distracted driving, or speeding, which may lead to road accidents or put other drivers’ and pedestrians’ safety at risk. On the other hand, seniors age 70 years or older who have poorer eyesight and slower reflexes that impact their driving ability may be charged with higher insurance costs.

Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.

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