Auto insurance is something that every driver needs to have in order to protect themselves and others on the road. But with so many different types of coverage available, it can be difficult to know which one is right for you. Two of the most common types of auto insurance are personal liability and full coverage. In this article, we will explore the differences between these two types of insurance and help you decide which one is best for your needs. 

Personal Liability Insurance 

Personal liability insurance is the minimum amount of coverage required by law in most states. This type of insurance only covers damage or injuries that you cause to other people or their property. It does not cover any damage to your own vehicle or any injuries that you may sustain in an accident. Personal liability insurance is usually less expensive than full coverage, but it also offers less protection. 

Full Coverage Insurance 

Full coverage insurance, on the other hand, provides much more comprehensive protection. In addition to covering damage or injuries that you cause to other people or their property, it also covers damage to your own vehicle and any injuries that you may sustain in an accident. Full coverage insurance typically includes collision coverage, which pays for damage to your vehicle in the event of an accident, as well as comprehensive coverage, which covers damage to your vehicle from non-collision events such as theft, vandalism, or weather-related incidents. 

Which One Is Right for You? 

The type of auto insurance that is right for you will depend on a number of factors, including your budget, the value of your vehicle, and your driving habits. If you are on a tight budget and can’t afford a lot of coverage, personal liability insurance may be your best option. However, if you have a newer or more expensive vehicle, or if you drive frequently and are at a higher risk of being in an accident, full coverage insurance may be a better choice. 

Ultimately, the decision of which type of auto insurance to purchase is up to you. It’s important to carefully consider your options and choose a policy that provides the right amount of coverage for your needs. If you’re still unsure which type of insurance to choose, talk to a licensed insurance agent who can help you evaluate your options and find the policy that’s right for you. 

Whether you choose personal liability insurance or full coverage insurance, the most important thing is to make sure that you have adequate protection in the event of an accident. Don’t take any chances on the road – make sure that you have the right auto insurance coverage to keep yourself and others safe. Contact Cundiff & Company Insurance in Somerset, KY to learn more about their wide range of services, or call (606) 679-8379 to get insurance quotes and make an appointment today.