Comprehensive Auto Insurance Sioux Falls, South Dakota SD
Filed under: Non owner insurance South Dakota, SD insurance online, SR22 South Dakota, Teen insurance South Dakota
Reader’s Question:
Can you tell me the difference between the liability and physical damage?
Karen
Sioux Falls, SD
Liability coverage covers the damages your vehicle does to others, damage for which you are legally responsible and if you do not have liability insurance you would need to pay out of your pocket for damages you cause.
Physical damage coverage consist of comprehensive and collision coverage. I will explain each one of them.
Collision coverage covers damage to your car when your car crashes, or is hit by, another car, or other object. This type of physical damage coverage pays to repair your automobile, less the deductible you choose at the onset of your car insurance policy.
Comprehensive coverage covers your car, and sometimes other automobiles you may be operating, for losses resulting from incidents other than collision. Comprehensive coverage typically covers your car if its stolen, damaged by flood, fire or animals. This comprehensive coverage comes with a deductible as well.
Tags: auto insurance, collision insurance coverage, comprehensive insurance coverage