Auto Insurance Forum

I'm evaluating auto insurance quotes. Under coverages, one insurer states liability amounts for each "occurrence," while another states amounts for each "accident." What's the difference? Should I opt for one coverage over the other?

Robert, Ohio

Dear Robert,

An accident is an unforeseeable or uncontrollable event that results in a property loss or personal injury. An occurrence is an accident that results in bodily injury and/or property damage to another person (also known as a "third party").

In general, when you are buy auto insurance, your policy will cover you for accidents. Within that policy, your liability insurance will cover you for any occurrences that result in bodily injury and/or property damage to someone else.

Liability insurance is required in all states except New Hampshire, Tennessee, and Wisconsin. For more information, read Minimum levels of required auto insurance.

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