The Differences Between the 3 Main Kinds of Auto Insurance Coverage: Liability, Collision, and Comprehensive

Oftentimes, when we think of auto insurance, we think of it as a blanket concept–do you have insurance or don’t you? However, there are a lot of intricacies and nuances to auto insurance coverage, which can be especially stressful and frustrating to figure out after an accident has occurred. Let’s take a closer look at three types of coverage–liability, collison, and comprehensive–and the differences between them. 

3 Types of Auto Insurance Coverage 

Insurance regulations vary widely across states, but we will use our home state of Nevada to illustrate some of the differences between coverage types. 

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Liability Coverage: This is the type of coverage most motorists are familiar with, as it is required both in Nevada and in most other states. Essentially, this coverage is meant to help pay the expenses of anyone who was injured in an accident that you were found liable for. These expenses include medical bills and property damages, and the coverage can be split depending on how many claimants there are. Most states require certain minimum amounts of liability coverage, and in Nevada that would be $20k for property damage per accident, $25k per person for bodily injury, and $50k for bodily injury per accident. 

Collision Coverage and MedPay (Medical Payments): Given the fact that state laws only require drivers to carry liability coverage for others, it stands to reason that some may opt for additional coverage to protect themselves as well. Collision coverage and MedPay are two additional provisions that compensate drivers for their own property damages and medical expenses, regardless of whether they were at fault or not. As attorneys, we always advocate for drivers to carry as much coverage as they can afford, because sometimes your own coverage may be all that is available to you. 

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Comprehensive Coverage: Insurers may do a good job of scaring you about the potential dangers of life, but there really are a lot of ways your vehicle can be damaged outside of an accident. Most comprehensive coverage plans compensate drivers if their vehicle is stolen, burglarized, vandalized, or damaged by the elements (tree limb, hail storm, etc.). 

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Insurance coverage can be extremely complicated and confusing on its own, but it can be especially stressful when it’s time to file a claim. If you need help deciphering which coverage you may or may not have, or if you’d like to discuss a potential claim with a trusted car accident attorney, make sure to call Van Law Firm as soon as possible. We can help you get the compensation you deserve, but it’s your best interest to act quickly–call our location nearest you today for more information.