What Is Liability Auto Insurance and How Is It Different From Full-Coverage Auto Insurance?

If you’re buying a car, it’s important to get the right kind of auto insurance for your needs. There are many types of auto insurance, including liability and full coverage. It’s important to understand the difference between these two types of insurance so you can make an informed decision when picking coverage for your vehicle.

The professionals at MSM Insurance Agency Inc., serving Kearny, NJ, can help. We’ll answer your questions and help you shop around until you find a reliable insurance policy from a trusted carrier. Here’s what to know. 

What Is Liability Auto Insurance?

Liability auto insurance pays to repair or replace the other vehicle if you cause a car accident. Liability auto insurance does not pay to repair your vehicle, even if you didn’t cause the accident. People who choose liability auto insurance are often those who have older or less valuable vehicles. 

How Is Liability Auto Insurance Different From Full-Coverage Auto Insurance?

Full-coverage auto insurance is a combination of several types of auto insurance, including liability, collision and comprehensive. This type of insurance will pay to repair or replace your vehicle under various circumstances, including if you damage your vehicle in a collision or if your vehicle is damaged in a non-collision events, like a fire. People who choose full-coverage auto insurance often have newer vehicles that would be expensive to repair or replace. 

Want Auto Insurance? We Can Help

If you want auto insurance, the professionals at MSM Insurance Agency Inc., serving Kearny, NJ, can help. We can answer your questions about auto insurance and help you shop around for a policy that you can feel good about. Call to speak with one of our trusted insurance professionals.