As a responsible driver, you understand the importance of having quality car insurance. After all, the right policy protects both you and other drivers on the road. While most drivers opt to purchase more than the minimum insurance coverage required by state law, others still choose to only have the state-specified liability insurance and nothing more. Though this will keep drivers from getting a ticket, it’s not the best option if you’re involved in an accident. Here’s what you can expect if liability is the only coverage on the vehicle.

Liability-Only Car Insurance Covers the Other Drivers

If you’re involved in an accident and found to be at-fault for the collision, liability insurance will help cover the cost of medical treatments and damages for the other driver up to your coverage limit. If the damage is more extensive, you may have to cover the rest out-of-pocket or settle with the other driver in court. If the accident was not your fault, the other driver’s insurance coverage will pay for the damages suffered. Your car insurance won’t come into play at all, and you won’t have to file a claim with your insurance provider.

Collision Damage Is Not Covered

Though liability coverage reduces your out-of-pocket expenses should you be at-fault in the accident, it won’t cover the cost of repairs to your vehicle. Any damage is your responsibility to fix. The only way to ensure that all damage is covered by the car insurance provider is to purchase a comprehensive auto insurance policy that exceeds the state’s minimum coverage requirements. If you’re worried about fixing the car after a collision either with another driver or a stationary object, it’s best to invest in collision coverage. If the neighborhood has seen a lot of vehicle theft or vandalism, comprehensive coverage will cover the cost of repairs.

Liability coverage may be all that’s needed to register your car, but it’s far from enough to protect you completely. If you’re looking for quality auto insurance that will do more than pay for another driver’s damages, contact Robert Taylor Insurance in Lorain, OH. Their experienced agents will help you find the coverage you need at a price that won’t strain your wallet. Whether you’re looking for vehicle insurance or want to upgrade a homeowners insurance policy after a remodel, they’re ready to help. Learn more about their services online and call (440) 277-5191 for a free car insurance quote today.