What types of claims can I make with liability-only auto insurance?
My car was parked on the street and I noticed today that someone had keyed it. I only have liability insurance, so I'm wondering if I'd be able to submit a claim for it.
Answer provided by
Answered on May 07, 2021
“With just liability coverage, the only claims that can be submitted are for damage done to others. You are only covered if you damage another person’s property or cause injury in an at-fault accident. You must pay out of pocket for any damage done to your own vehicle.
To have coverage on your vehicle for damage, you would need comprehensive coverage and/or collision coverage. Comprehensive coverage covers non-collision perils like fire or contact with an animal. Collision coverage covers all other damage.
If you are interested in adding physical damage coverage to your vehicle, you should reach out to your current car insurance company. You should also consider comparison shopping. By getting quotes from other insurance companies, you’ll be able to ensure you’re getting the best price for the coverage you need.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Do I need car insurance in Florida?
I just moved to Florida, and I have my car paid off. Do I still need car insurance as a Florida resident?
Apr 13, 2021
Are three-month car insurance policies an option?
I'm driving around the Northeast for three months to work as a freelance photographer. I currently don't have a car. Are there any three-month car insurance policies I can buy?
May 04, 2021
What would be the cheapest car insurance for my 22-year-old daughter?
I'm looking for car insurance for my daughter and it's ridiculously expensive. We're getting quoted around $4,000 for an annual policy, and the vehicle isn't even worth that much. She has a clean driving record as well.
May 07, 2021