Despite your best efforts when driving your car, we know the unexpected can still happen. When you’re on the road, there are so many things that can potentially go awry that can’t be controlled. Even the safest drivers find themselves in bad situations. While having car insurance is often required by law, having a car insurance plan that’s right for you can offer peace of mind when accidents happen. Whether you opt for full-coverage insurance like many drivers or decide on liability insurance, it’s important to know about your options.
Liability car insurance is the minimum mandatory insurance required for operating your vehicle. It primarily covers damage done to others in the event of an accident. Coverage offered can include damage to someone else’s vehicle, damage to property or buildings, bodily injuries, and more. It’s important to note that for liability car insurance, repair to your car or injuries to yourself aren’t covered.
Full-coverage car insurance is extremely common, and most drivers on the road opt for this type. Whereas liability car insurance covers damage to others, full-coverage insurance helps cover your own losses if an accident occurs in addition to damages to others. This type of insurance also has many different add-ons and coverage variations to help each customer meet their unique needs.
While you may now know the basics of car insurance and the difference between full coverage and liability, each individual car insurance plan offers slightly different options. When it comes time for you to decide on an insurance plan, contact one of our experienced agents at Curtis Helms Insurance for help navigating your options and picking a policy that fits your budget.