Understanding Liability vs. Comprehensive Coverage: A Guide for Midwest Drivers

Liability and comprehensive coverage are two essential components of a robust auto insurance policy. Each can financially protect you against various road-related risks.

What Is Liability Insurance?

Liability insurance is a foundational part of any Missouri auto insurance policy. It may provide financial support if you’re found responsible for causing an accident. It typically includes the following:

• Bodily injury liability may pay for medical expenses, lost wages and legal fees if you injure someone in an accident.
• Property damage liability may cover the cost of repairing or replacing another person’s vehicle or property that you damage in an accident.

Liability insurance does not cover your own injuries or damage to your vehicle. It’s focused on covering others and meeting Missouri’s legal requirements.

What Is Comprehensive Coverage?

Comprehensive coverage is optional, but it may provide broader coverage for your own vehicle. It can help pay for damage to your car from events other than collisions, such as:

• Theft or vandalism
• Fire or explosions
• Hail, wind or other severe weather
• Falling objects (like tree branches)
• Animal collisions

Comprehensive coverage can be especially valuable for drivers in the Midwest, where unpredictable weather and wildlife encounters are common.

Which Coverage Is Right for You?

Deciding between liability and comprehensive coverage depends on your needs, budget and your vehicle’s value. Having both types of coverage can help address a wider range of risks. Consider factors such as how often you drive, where you park and your ability to cover repair or replacement costs out of pocket.

Consult an Agent Near You

Our team at Cloverleaf Insurance can help you review your options and find suitable coverage. Contact us today to learn more or to request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.