Full Auto Insurance vs. Liability Coverage

Auto insurance is a necessary investment for anyone who operates a motor vehicle, and it’s essential to understand the various types and levels of coverage when shopping for a policy. Auto insurance comes in many forms, so you must take the time to ensure that you understand your coverage needs. 

For nearly 30 years, the experts at Peachstate Insurance have been helping drivers in 27 communities across Georgia acquire suitable auto coverage. 

Auto Liability Coverage 
Liability coverage is a crucial part of any auto insurance policy and is required by law in almost every state. In addition to legal mandates, this type of insurance can provide critical financial assistance if you are found responsible and ordered to pay damages. In most cases, liability coverage can provide support for the following: 

• Bodily injury—If you are responsible for an accident that injures someone else, your insurance can help pay for their losses, including medical care and lost wages.
• Property damage—If you are liable for damage to another person’s vehicle or property, your policy may help pay for repairs.
• Lawsuits—If you are sued after an accident, your coverage can provide financial aid for legal expenses. 

• Medical payments (MedPay)—Regardless of who was at fault, if you or your passengers are injured in an accident, this coverage can help pay for medical treatment.
• Collision coverage—This coverage protects you from losses arising from a collision with another vehicle or a stationary object, such as a building or sign.
• Comprehensive coverage—This coverage can provide financial assistance if your vehicle is damaged by an incident not included in collision coverage, such as fires, severe weather, crime or hitting an animal.
• Uninsured/underinsured motorist coverage—If another party is at fault for an accident but lacks adequate coverage to pay for your damages, your policy can cover the remaining costs.