Do I need liability insurance if I have comprehensive and collision coverage?

Yes, liability insurance is still important even if you have comprehensive and collision coverage. For one thing, liability insurance is required by law in most states. It helps protect you if you are at fault in an accident and someone else is injured or their property is damaged. Comprehensive and collision coverage mainly protect your vehicle in case of accidents, theft, or damage, but they do not cover injuries to other people or damage to their property. Having liability insurance ensures that you are covered for these situations.

Posted by Alyssa DiCrasto

Alyssa uses her many years of experience writing about complex industries to research and create clear content that makes insurance easy to understand. She has been with Rate Retriever since its beginning, establishing our strict editorial policy and directing our comparison experience.

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