The Total Coverage Blog
For drivers with extremely tight budgets, liability-only car insurance can seem like the smartest option. While the potential to pinch your pennies is there, liability coverage can end up costing WAY more in the long run. So, what’s the right insurance coverage for you?
At Unruh Insurance, we’re the insurance agency that tells you the truth — even about the times when liability insurance is enough for you. We want you to know how to make the best decision for your unique situation, so here are some guidelines for when it is okay to have liability-only car insurance — and when you NEED more complete coverage.
Since auto insurance is a legal requirement to drive on public roads in PA, you need to have car insurance to cover any damages that may result from an accident. Liability insurance is the term for car insurance that covers the damage you’d cause to other vehicles or injuries you may incur in an accident. This coverage keeps you from getting fined or ticketed, but does nothing to protect your vehicle in a variety of different circumstances.
While every driver and every situation differs, these are the general cases in which liability-only coverage is enough and when you need to upgrade to a plan that includes comprehensive and collision coverage.
Either way, when you’re shopping around for insurance, make sure you understand the insurance coverage you’re actually getting. It is crucial to understand your deductibles, liability limits, and full tort vs. limited tort.
If you’re still deciding on the type of insurance coverage you want, the first step should be to have a conversation with an experienced insurance agent. At Unruh Insurance, there is never a cost to talk to us to review your current insurance plans. We can make recommendations and help you understand your options going forward. As always, in addition to offering great service (before you’re even a customer), we offer competitive car insurance quotes on insurance coverage of all kinds. Contact us for your free quote today.