What is the Difference Between Liability Auto Insurance and Comprehensive Insurance

Liability auto insurance may differ from other types of insurance because it could protect people other than the insured from actions that might cause harm to others. Liability auto insurance may cover the owner of the policy from losing his or her own money. So for example, if a person has a car accident, liability insurance may allow that person to protect their own assets, in most cases. Instead, the injured other parties might first have access to the amount of liability for which the person is insured.

Unlike liability auto insurance, other types of car insurance, like collision and comprehensive car insurance, may allow the insured to submit a claim to cover their own damages. If someone is hurt in a car accident, collision insurance may pay for health care in most cases, even if that person caused the car accident. Further, if someone’s car is damaged in an accident, comprehensive insurance may pay for repairs, even if the accident is the fault of the covered person.

For auto insurance, many states may require drivers to carry a set amount of liability auto insurance to cover damage they might inflict on another person’s car, property or self. Generally, those who are making payments on a vehicle may also have to cover collision and comprehensive insurance so that the bank to which they owe money is protected if the person totals their car. Many people who own their cars outright may also carry liability auto insurance and collision and comprehensive to protect themselves from losses in accidents they might cause.

To learn more about getting cheap liability or comprehensive auto insurance rate quote,  get as many quotes as you can. By filling out a simple form, you can get free, no-obligation quotes.