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
“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.”
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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