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Full Auto Insurance vs. Liability Coverage

Auto insurance is a necessary investment for anyone who operates a motor vehicle, and it’s essential to understand the various types and levels of coverage when shopping for a policy. Auto insurance comes in many forms, so you must take the time to ensure that you understand your coverage needs.

For nearly 30 years, the experts at Peachstate Insurance have been helping drivers in 27 communities across Georgia acquire suitable auto coverage.

Auto Liability Coverage
Liability coverage is a crucial part of any auto insurance policy and is required by law in almost every state. In addition to legal mandates, this type of insurance can provide critical financial assistance if you are found responsible and ordered to pay damages. In most cases, liability coverage can provide support for the following:

• Bodily injury—If you are responsible for an accident that injures someone else, your insurance can help pay for their losses, including medical care and lost wages.
• Property damage—If you are liable for damage to another person’s vehicle or property, your policy may help pay for repairs.
• Lawsuits—If you are sued after an accident, your coverage can provide financial aid for legal expenses.

Although auto liability coverage can provide a valuable safety net for drivers, it may be advisable for you to strongly consider additional protection.

Full Auto Insurance
Almost all auto insurance policies include liability coverage, but there are several other coverages that you may wish to include. Other common features of auto insurance policies that offer vital protection include the following:

• Medical payments (MedPay)—Regardless of who was at fault, if you or your passengers are injured in an accident, this coverage can help pay for medical treatment.
• Collision coverage—This coverage protects you from losses arising from a collision with another vehicle or a stationary object, such as a building or sign.
• Comprehensive coverage—This coverage can provide financial assistance if your vehicle is damaged by an incident not included in collision coverage, such as fires, severe weather, crime or hitting an animal.
• Uninsured/underinsured motorist coverage—If another party is at fault for an accident but lacks adequate coverage to pay for your damages, your policy can cover the remaining costs.

These features of a policy may not be legally required as often as liability coverage, but augmenting your insurance with them can prove to be an invaluable investment in the aftermath of an accident.

Get the Right Coverage
Auto insurance needs may vary significantly depending on your vehicle, location, driving habits and other factors. Without an adequate policy, even a minor accident could incur considerable costs that could have major ramifications for your finances.

Contact Peachstate Insurance today to begin understanding your auto coverage needs and building an optimal policy.



This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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