Personal vehicle insurance is a type of insurance for individuals that protects your car, truck, or SUV in the event of an accident, weather event, or another type of claim situation. Depending on the type of insurance you choose, coverage could pay for repairs or medical bills, and even help you get a rental car if you’re ever in a collision. 

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We  can help you decide if you need only basic liability coverage or if your unique needs call for optional coverages that protect against a broader range of situations.

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Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

 

Liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.

They come in thousand-dollar increments, so when you choose 100/300/100 limits, you’re choosing:

• $100,000 for bodily injuries per person you injure in a crash

• $300,000 total for all bodily injuries you cause in a crash

• $100,000 for damage to any property you cause in a crash, including cars, buildings and objects like mailboxes and lampposts