Auto Insurance Claims: auto liability insurance, auto liability insurance, collision insurance

Question
Does liability auto insurance pay to get my car fixed if i wrecked because of bad weather.

Answer
Hello,


Liability is what it says, liability. It covers for damages and injuries you do to others and property.

In order to get your car covered for a crash you were in, you need collision insurance, which you probably did not have. If you have collision damage because of an accident you caused to your car, liability will not cover.

Here is an example. You are driving down the road and hit an ice patch, skid and hit a tree, if you only have liability, any damage to the tree will be covered, but the damage to your car is not.

Liability is required by law in many states to protect the other people and property. Comprehensive and collision coverage cost additional money.

Now, say you are driving down the road a hit a deer. Collision does not pick this up generally and this type of damage to the car would be covered by comprehensive (fire and theft).

It sounds like you are out of luck.

Rob