The difference between comprehensive and liability insurance is that comprehensive covers your car when it’s damaged by something other than a collision, while liability coverage pays for other people’s property damage and injuries when you cause an accident.

Does liability insurance have comprehensive and collision?

Minimum liability limits for each of these coverage types vary depending on which state you live in. Liability coverage cannot be used to pay for your vehicular damage or personal injury costs. For that, you will need comprehensive and/or collision coverage.

Do you have to have comprehensive liability insurance?

State law requires liability coverage, but it does not require you to carry a comprehensive policy. Depending on your state, you may need to carry different types of liability insurance. These include bodily injury per person, bodily injury per accident and property damage.

What does it mean to have comprehensive car insurance?

Comprehensive coverage is insurance that covers additional elements that aren’t covered by liability. Mainly, it provides coverage for your own car in the case of an accident. It’s optional, but may be a good idea for you. So who should get comprehensive coverage? Here are some examples of people who would benefit from it:

What’s the difference between liability and full coverage?

In that case, this portion of your liability insurance will help to pay for the costs of repairing or replacing the other driver’s vehicle. Full coverage insurance generally refers to a combination of two types of insurance. These policies include both collision and comprehensive insurance.

What’s the difference between property damage and comprehensive insurance?

Property damage liability typically covers vehicle damage or replacement costs, and expenses for repairs to damaged buildings. It also covers repairs for other nonmoving objects such as street lights. Comprehensive coverage is limited by the market value of your vehicle.