Liability Basics

• Liability auto insurance pays benefits when you are at fault in an auto accident. It covers medical payments for injury to the third party as well as damage repairs. Uninsured and underinsured motorist coverage protects against other drivers that do not have adequate insurance.
  
  

Additional Auto Insurance

• On top of often legally required liability coverage, many people add comprehensive and collision protections. Collision covers damage and injury claims when you are involved in a collision. Comprehensive covers other causes of property damage not protected under collision.
  
  

Considerations

• A decision to add benefits beyond those legally required should consider premiums and increased benefits. If you have a high value car, it is probably worth protecting it against major damage. You can save on premiums with higher deductibles and good driver discounts.