What is the Difference Between Liability, Physical Damage, and Uninsured Motorist Insurance? | Blog
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The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

What is the Difference Between Liability, Physical Damage, and Uninsured Motorist Insurance?

If you live in Ball Ground, GA you may have wondered about the different auto insurance options. The Sanford Group can help you shop for the best insurance for your needs by explaining the differences between auto insurance options.

Liability Insurance

Every motorist on the road is required by law to have liability insurance. This type of insurance pays for damages that you might cause to another vehicle and the medical problems that someone might face if you caused an accident with them.  Liability insurance will not pay for your own vehicle repairs if you cause an accident. It only pays for the other party’s damages. You will have to pay for repairs to your vehicle out of your own pocket. In general, liability insurance is less expensive than full coverage.

Physical Damage Insurance or Full Coverage

There are two types of insurance that may fall under what many people consider "full coverage." The first type covers losses due to fire, theft, or vandalism of your vehicle. This type of insurance is sometimes called comprehensive Insurance, or "other than collision" insurance. The other type of insurance is called "collision" insurance, which pays for repairs to your vehicle if you have an accident, even if you were at fault. Most of the time, if you have had to borrow money to buy the vehicle, the lender will require you to carry physical damage insurance, even though state law doesn’t require this type of coverage. Physical damage insurance is usually more expensive than liability insurance.

Uninsured Motorist Coverage

While everyone is supposed to have insurance when they get out on the road, not everyone follows this law. Uninsured motorist coverage will pay for damages to your vehicle if an uninsured motorist causes an accident. Not all policies include this so check with your agent to be sure of your coverage.

If you have questions about your insurance coverage, check with an agent at the Sanford Group, serving Ball Ground, GA and the surrounding area.

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