should you have more coverage on car besides liability

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 15, 2013

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Insurance Question from Levelland, TX

Asked on 01/15/2013

should you have more coverage on car besides liability do I need more coverage beside liability on 2007 Lincoln truck 80,0000 miles?

Answer given on January 23, 2013

In auto insurance you are only required to purchase liability insurance to protect others if you cause an accident. You must have property damage and bodily injury coverage either at separate limits or as combined liability coverage. Each state determines the amount of insurance that is required in that state.You can purchase additional insurance as you see fit. You can buy higher liability insurance, If you have higher assets, you should consider buying higher liability limits. You can also purchase physical damage coverage for collision and/or comprehensive insurance. You can also purchase medical payments coverage, which covers you or anyone in your car in the event of an accident, regardless of fault. It also protects you if you are a pedestrian and are struck by another driver.When deciding whether to buy collision or comprehensive insurance you should determine the value of the car based on its condition and mileage. If the car is damaged, the insurance company will only pay the actual cash value of the car at the time of the loss. The decision to purchase this insurance is a personal one but consider the costs versus the likelihood of receiving compensation.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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