Every time you get behind the wheel of a vehicle, you open yourself up to personal liability. If property is damaged or someone were to get injured because of your driving, you can be held responsible for any associated costs. That is why it is so important to have the right liability coverage. Here are three things you should know when shopping for a personal auto liability policy.
Liability Coverage Is Usually Required
Liability coverage is required in virtually every state, with the exception of New Hampshire. Even there, it is strongly recommended. And that is for good reason. It can protect your assets in the event of an accident or injury. Be sure to learn what the minimum requirements are in your state before deciding on a policy.
There Are Many Types of Coverage
Liability insurance isn’t the only type available. There are several others that, when combined, can build a comprehensive policy package. Some types of coverage you might consider purchasing include:
- Uninsured/Underinsured motorist coverage pays for costs associated with an accident when the other driver does not have sufficient insurance.
- Collision insurance covers damage to your vehicle due to an accident.
- Comprehensive insurance pays for damages that result from something other than a collision, such as hitting an animal, a broken windshield, or vandalism to your vehicle.
You should never skimp on insurance coverage to save costs. It’s a good idea to talk to an experienced agent to ensure you have the right coverage for your needs.