Podcasts · Crashes, Claims & Clarity

Episode 015: What Your Auto Liability Really Covers

9 Apr 2026 · 8:55 · S1 E15

Most drivers carry auto insurance, but far too many do not really understand what their liability coverage actually pays for until it is too late. In this solo episode of Crashes, Claims and Clarity, Darrell Burrow breaks down the difference between bodily injury liability and property damage liability, explains split limit versus combined single limit policies, and shares why minimum coverage may not be enough to protect what you own. He also gives one critical warning for families with teen drivers that could save them from a denied claim.

→ Liability coverage only pays up to the limits on your policy, no matter how much damage or injury you cause.

→ Georgia minimum limits may satisfy the law, but they may not fully protect your assets.

→ Property damage coverage does not always match bodily injury coverage, so policy details matter.

→ Combined single limit policies work differently because one total amount must cover injuries and property damage together.

→ If you have a newly licensed driver in your household, you need to notify your insurance company right away or risk a denied claim.

→ Homeowners and anyone with growing assets should review their liability limits carefully.

If this episode helped clear up what your policy really covers, be sure to follow Crashes, Claims and Clarity, share this episode with a family member, and reach out to Burrow & Associates if you have questions about liability coverage or your declarations page.

The episode on the publisher’s site ↗ (opens in a new tab)