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When you’re shopping for car insurance, you have many different types of coverage to choose from. No matter what type of car you own or how you drive it, you’re required to have at least some liability insurance associated with the policy. When getting an insurance quote from your provider, it’s important that you understand the basic requirements your policy should meet. The experienced agents at Kirk Insurance Agency in Spearman, TX, want to help. They explain what a basic liability insurance policy should include to keep you and your car safe on the road.

Liability Insurance Explained

This coverage protects you from liability when you’re involved in an at-fault accident. This means your insurance company helps cover the cost of the other driver’s expenses due to the accident.

Most general liability policies can be broken down into two coverage areas: bodily injury protection and property damage liability. Bodily injury protection covers the other driver and their passengers’ medical expenses associated with injuries from the accident. Property damage coverage provides funds to cover the other vehicle’s repair costs, significantly reducing your out-of-pocket expenses. Since the coverage does not protect you and your vehicle directly, it often results in lower premium costs and a more attractive insurance quote.

Why You Need More Than Basic Liability Coverage

TInsurance Quotehough liability insurance is a legally required aspect of every car insurance policy, it’s not enough to protect you and your vehicle. When shopping for an insurance quote, inquire about additional coverage like collision insurance, uninsured motorist coverage, and comprehensive coverage. These policies help cover the cost of repairs and medical treatments for you and your passengers rather than just the other drivers in an at-fault accident. While they will cost more than the state-required minimum coverage, the money you’ll save by filing a single claim will more than make up for the difference in price.

The type of coverage you need may change from year to year. If you’re looking for an updated car insurance policy, contact the team at Kirk Insurance Agency. Their experienced agents will work to find you the best coverage possible, from liability insurance to full comprehensive coverage. Learn more about their coverage areas online and call (806) 659-2794 for a free insurance quote today.

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