When shopping for auto insurance, it’s essential to find the right type of coverage that fits your needs and budget. There are several types of auto insurance to consider, including liability-only coverage.
If you have questions about liability-only auto insurance, the professionals at Selkirk Insurance Services, servicing Sandpoint, ID, can assist you. We provide detailed information about insurance options and can help you shop for coverage through multiple carriers.
What Is Liability-Only Auto Insurance?
Liability-only auto insurance is a type of coverage that pays to repair or replace the other driver’s vehicle if you cause an accident. This type of insurance meets the minimum legal requirements for driving, but does not provide coverage for your own vehicle in the event of an accident.
Who Needs Liability-Only Auto Insurance?
Liability-only auto insurance is ideal for individuals who are not concerned about insuring their own vehicle for repairs or replacement after an accident. If you prefer coverage that includes protection for your vehicle in addition to liability, you may need full-coverage auto insurance. Full coverage includes liability protection and additional benefits for your vehicle.
Who Needs More Coverage Than Liability-Only?
If you have a car loan, your lender may require you to carry full-coverage auto insurance. In such cases, you will need to provide proof of full-coverage insurance before driving your new vehicle off the lot. To confirm whether this is a requirement for your auto loan, consult with your lending professional.
No matter what type of car insurance you need, the professionals at Selkirk Insurance Services, servicing Sandpoint, ID, are here to help. Contact us today to learn more about our auto insurance options and find the coverage that works best for you.
