Liability, Collision, and Comprehensive Auto Insurance Compared

If you drive, then you are required by law to have at least the minimum amount of auto insurance coverage. As you could imagine, minimum coverage will not keep you as safe as some of the more extensive coverage policies. The three most common forms of auto insurance are Liability Insurance, Collision Insurance, and Comprehensive Insurance. These types of coverages come with their own unique forms of protection. Use this guide to help you decide which coverage option is best for you.

Liability Auto Insurance

Liability coverage is not about you; it’s about the damage you cause to others. If you are in a collision and you hit a pedestrian or damage someone else’s vehicle or property, you will be liable and must pay for repairs and the cost of damage to any property. If you have liability auto insurance though, all of these things will be covered and you usually won’t have to come out of pocket.

Collision Coverage

Collision coverage is the auto insurance that takes care of you if you are ever in an accident; no matter who’s at fault. With this coverage, any repairs needed for your car are taken care of.

Comprehensive Coverage

The name of this insurance may be misleading because it isn’t actually comprehensive. This coverage only takes care of damages to your car that aren’t cause by collision. This can be theft, fire, a falling tree, or extreme weather conditions. There are many threats to your vehicle that aren’t on the road so it’s best to be safe and have everything covered.

Now that you know the three main insurance coverage types, you can decide on the best one for you. Of course, it’d be wiser to get all three and be fully covered. If you want to know how much auto insurance you’re eligible for, go online and get an auto insurance quote today!

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