Reader’s Question:

Hi there! It’s my first time to get auto insurance. I just want to know something. How can liability car insurance protect me?

Louise

Gilbert, AZ

Auto insurance is limited by type and coverage. What this means is that you must not expect all your car problems to dissolve and be paid for just because you have obtained some kind of vehicle insurance. How each policy can help you depends on what type of policy you get and how much coverage you signed up for. Auto liability insurance, comprehensive insurance coverage, collision coverage, uninsured motorist coverage, personal injury protection – these are just some of the policies available out there. Each of them has a specific function and to each you may include insurance add-ons like GAP to upgrade your policy and make it fit your specific needs.

On to your question though Louise, auto liability insurance can only cover the damage to another vehicle or the injuries of another motorist as a result of your negligence. If you are found at fault in a car accident, liability coverage can help you pay for the damages you owe another motorist. You must also remember that it will not do so completely. You will have to spend some of your own money and how much will depend on what is called a deductible. So if you have suffered some injuries of your own or if your own car needs repairs, unfortunately your liability coverage will not help you with those. You will have to get a comprehensive insurance coverage to cover your own losses. It is more costly but the coverage is broader than the state minimum.