As a responsible driver, you know you need car insurance. After all, you’re legally required to have at least a minimum amount of coverage for each car you own. For most drivers, all they’re legally required to have is liability insurance. This coverage is often a part of more comprehensive policies, but, to fully understand why you need additional options, you’ll need to understand how liability insurance works, what it covers, and why it’s important.
What Is Liability Coverage?
When you’re at fault for an accident on the road, you’re responsible for covering at least a portion of the other driver’s expenses, whether it’s medical care associated with the accident or repairs to their vehicle. Liability policies help you cover those costs without requiring you to pay more than your deductible. Without liability coverage, you’re expected to pay the full cost out of pocket.
Does It Cover Everything?
Unfortunately, these insurance policies are limited in what they cover. It might not be enough to cover the full cost of the other driver’s repairs. You’ll need to cover the cost for any additional expenses that surpass the cap on your insurance policy. However, most policies will offer a high enough amount of coverage to protect you in routine fender benders and minor wrecks.
Do I Need More Than Liability Coverage?
When it comes to car insurance, the minimum requirements specified by the state are just that—minimum requirements. If you want to fully protect your car and passengers, you’ll want to invest in comprehensive and collision auto insurance policies. While these coverage options will cost more than simple liability insurance, it’s worth it if you ever want to avoid paying out of pocket for repairs to your vehicle.
The agents at Davidson Insurance Agency in Lincoln, NE, have helped residents keep their cars and passengers safe for years. Let their dedicated staff help you find the right auto insurance for your needs, whether you’re looking for comprehensive coverage or want to satisfy minimum requirements with a liability insurance policy. Learn more about their services online, and call (402) 423-4357 today for a free quote.