What is the difference between liability coverage and collision auto insurance coverage? I called an insurance office in Akron Ohio but the agent’s explanation didn’t make sense to me. Please explain it clearly.

June

Akron OH

How unfortunate, June! Rest assured that most auto insurance companies in Ohio are reliable and professional, and would be happy to assist you when you make queries such as this one. Having said this, let me thank you for trusting me to answer your questions.

Yes, sometimes liability and collision coverage may seem similar but they are not. Liability coverage pays for the damages resulting to a collision where you are liable. It will pay for the damages to the car you have hit and for the medical expenses of the passengers of the damaged car. Collision coverage, on the other hand, protects your car from possible damages brought about by collision. Liability coverage has three limits – bodily injury per person, bodily injury total, and property damages. It can happen that sometimes, your car was hit by a reckless driver whose liability coverage limits can not fully pay for the damages made to your car. This is the time when you will make use of your collision coverage.

Liability coverage is the minimum required when you register your car. It will always be the cheapest available auto insurance around Akron. To compare prices, simply get online quotes by entering your zip code on this page. What is critical is for you to evaluate if you will be comfortable with just the minimum auto insurance.

I hope that I have explained it well enough, June; please feel free to contact me again if you have any other questions.