What is the difference between liability and comprehensive insurance?

Liability insurance and comprehensive insurance serve different purposes when it comes to protecting vehicle owners and their interests. Liability insurance is primarily designed to cover the legal responsibilities that arise from damage caused to another person or their property in the event of an accident for which the insured is found to be at fault. This type of insurance typically includes two main components: bodily injury liability, which covers medical expenses and lost wages for the other party, and property damage liability, which takes care of costs associated with repairing or replacing the other party's damaged property. On the other hand, comprehensive insurance offers broader protection. It covers a variety of incidents that are not related to collisions, such as theft, vandalism, natural disasters, and damage caused by animals. Essentially, this coverage safeguards the insured vehicle against a range of potential hazards that can occur outside of an accident. It is important to note that while liability insurance is often a legal requirement for vehicle owners, comprehensive insurance is usually optional, though highly recommended for complete coverage. A vehicle owner may choose to bundle both types of insurance for a more comprehensive protection plan. For further information and options, prospective customers might want to explore the details available on the website of PolicyGo.