The Difference Between Liability and Comprehensive

August 06, 2017

The Difference Between Liability and Comprehensive

The Difference Between Liability and Comprehensive - It does not matter if you are a new car owner who have never had an experience of dealing with insurance or you are someone whose automobile coverage is going to expire in a couple months, making any decision regarding which auto insurance to purchase is quite a daunting task.

Not only do you have to assess your need and carefully pick the right coverage with just the right amount of premium and deductible that perfectly mirrors your need and capabilities, shifting through a myriad of different car insurance on the marketplace is not as easy as turning one’s hand. But at the very least, when this time comes up, you no longer have to be confused as to which type of coverage you must purchase.
The Difference Between Liability and Comprehensive
The Difference Between Liability and Comprehensive

Unlike these experienced people, those who are a first time automobile coverage buyer may be confused: why would I need an automobile coverage when I’m already covered by life insurance? Majority of these people will still purchase automobile coverage because that is the law requires them to do, but if you are one of these people, breathe a sigh of relief as here in this article we are about to inform you with everything you need to know about automobile coverage – so that when it is time for you to make a final decision on which coverage to purchase, you do not have to face the risk of choosing the wrong one and end up being not covered at all.

Auto liability coverage

A lot of people are unaware of the types of coverage offered when they decide to purchase an automobile insurance policy. Not only does this put them at risk of purchasing the incorrect policy for their needs, it also does not give them the adequate amount of protection. Liability insurance is one of the most common policies offered, and it is also the most important automobile coverage to have. Consisting of two types of Liability components, drivers are required to at least own the minimum amount. Every state has its own law regarding the required minimum coverage amount, be sure to double-check.

    - Personal Property type of liability coverage

This component ensures that you will be given the adequate financial help in the event that a car collision or accident leaves your car, or the other driver’s car should you are in the wrong,  damaged.

    - Bodily Injury type of liability coverage

Unlike the Personal Property component, this particular component ensures that you will be given the adequate financial help in the event that a car collision or accident leaves you, or the other driver, badly injured and in need of medical assistance.

Auto comprehensive coverage policy


Unlike Liability, Comprehensive insurance is specifically designed to cover any damage that is not the result of accident or collision. Which means this coverage is only effective when the damages to your car is the result of natural disasters such as flood, earthquake, or hurricane. Not only that, this coverage also covers the cost of damages as a result of riot, theft, and even vandalism.
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