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Even though liability coverage is advisable and often required, there are many irresponsible drivers who do not buy insurance. If an uninsured motorist causes an accident, you will not be able to recover any damages that you sustain. However, if you purchase uninsured motorist insurance, your insurance company will pay you for the property damage and bodily injury. It will cover you, family members, and anyone else occupying an insured automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits. There are also times when a person who causes an accident has liability insurance, but your damages exceed the limits of that person’s coverage. In some states, underinsured motorist coverage is included in your uninsured motorist coverage. In other states, you can purchase underinsured motorist insurance, which covers your excess losses up to the limit set forth in the policy. Liability coverage extends to you, your spouse, and any resident family member for the ownership, maintenance, or use of any car, pickup, or van unless specifically restricted by your policy. Put simply, liability auto insurance pays for injuries and/or damages that you cause to someone else in an accident. Most state laws require that you carry a minimum amount of liability insurance.
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Property damage liability covers the cost of repairs to things such as houses, fences, yards and other structures. It is best to check with your local DMV in regards to the guidelines and requirements of your particular state. Even if property damage liability is not required, it is a good idea. Damages can quickly add up if you are in serious accident. Is Comprehensive Car Insurance Worth the Extra Cost?The best comprehensive car insurance really depends on the value of your vehicle. If you are driving an older, low value car, then comprehensive is probably a waste of money.