Liability Coverage


Service Details

Bodily Injury Liability:   It covers medical expenses, hospital stays, rehabilitation, and lost wages. In addition, if the injured party files a lawsuit, we offer legal defense and pay court settlements within your policy limits. It’s not just protection—it’s responsibility and care extended to others on the road.

Property Damage Liability:   If your vehicle damages someone else’s property—such as a car, building, mailbox, or fence—our Property Damage Liability coverage helps pay for repairs or replacements. This service also includes legal support if you’re taken to court over the damages, saving you from costly out-of-pocket expenses.

Legal Defense and Court Representation:   Accidents can sometimes lead to legal disputes. With this service, we provide experienced legal counsel and representation at no extra cost. We handle court fees, attorney charges, and settlement negotiations, helping protect your assets and rights every step of the way.

High-Limit Liability Options:   For drivers who want more than the minimum, our high-limit options provide added protection for serious accidents. These higher coverage limits help safeguard your savings, property, and financial future in the event of costly claims.

 

Get a Plan for Auto Coverage

Finding the right auto insurance plan doesn’t have to be complicated. At Top Choice Auto Insurance, we make it simple to choose a policy that fits your needs, your lifestyle, and your budget.

Request a Plan Today






What Our Customers Say Drives Us Forward.

Client's Reviews

After my accident, I was expecting a long, frustrating process—but Top Choice Auto Insurance surprised me. Their claims team was responsive, professional, and supportive throughout. I got updates regularly and never felt lost in paperwork.

Chara C. Holman

I’ve been driving safely for years, and it finally paid off thanks to Premium Auto’s no-claim bonus. After two claim-free years, they lowered my premiums significantly. I really appreciate how they reward responsible customers. It’s not just words—they actually honor your loyalty.

Scott V. Walker

I completed everything digitally and received my full policy within minutes. No paperwork, no waiting—it was all available in their app. The interface is user-friendly and keeps everything organized. It’s modern insurance that saves time. Couldn’t be happier!

Pamela P. Schwartz