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What’s the difference between liability, collision, and comprehensive insurance?

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Liability, collision, and comprehensive are the three main types of auto insurance coverage and many people tend to get confused by what each of them offers.  Here’s a quick guide to straighten out the facts:

Liability coverage:


 Liability coverage exists to protect other drivers and their property in the event that you cause an accident.   It is composed of two different elements: property damage liability and bodily injury liability.  This type of insurance is required in nearly every state, including Arizona.

Collision coverage:

As the name implies, collision coverage protects your vehicle in the event that you collide with another vehicle or any other object.  This type of insurance will cover you regardless of whether or not the accident was your fault.  Collision coverage will typically pay for repairs up to the fair market value of your car minus your deductible.

Comprehensive coverage:

Comprehensive coverage protects your vehicle in the event that it is damaged by something other than a collision.  This can include anything from vandalism and theft to fire and hail.  As with collision coverage, comprehensive coverage will usually pay for repairs up to the fair market value of your car minus your deductible.