Whether you’re buying a car or choosing new insurance for a car you already own, it’s important to understand the difference between liability-only and full-coverage auto insurance. Your insurance agent at Nieroda Insurance Agency, servicing Saint Charles, MO, can help. We provide information about the different types of insurance to help you choose the best policy for your needs.
What Is Liability Only Coverage?
Liability only auto coverage is coverage that will pay for damage to the other vehicle if you cause an accident. Liability only coverage is the lawful minimum coverage amount in many states.
Many people choose liability-only auto coverage because it is the coverage that costs the least. Your insurance agent will help you decide how much coverage you need to be in compliance with the law and provide you with adequate financial protection on the road.
What Is Full Coverage Auto?
Full-coverage auto insurance covers the other driver (if you cause an accident) and damage to your own vehicle, regardless of fault. It often comes with roadside assistance and comprehensive coverage.
Comprehensive coverage covers damage not caused by a collision, such as fire or theft. If you buy a new car and have a car loan, your lender may require you to have full coverage.
How to Decide
At Nieroda Insurance Agency, servicing Saint Charles, MO, we help our customers decide between various types of auto insurance. We can help you, too! Call today to speak with one of our knowledgeable insurance agents to learn more about the different options. We’re committed to providing excellent customer service and can help you make an intelligent decision.
