Some sections of this site may not function unless you enable Cookies.

Auto Coverages

Expand All
Collapse All

What is the difference between Collision and Comprehensive coverage for my automobile?

Collision Insurance
Collision insurance laws may vary by state, but generally, this insurance covers a loss to the insured's vehicle caused by its impact with another vehicle or object.

Comprehensive Coverage
Comprehensive insurance laws may vary by state, but generally, this insurance protects against any loss or damage to an automobile except those caused by collision or by upset; for example, glass replacement, towing and labor coverage, or coverage against fire or theft.

What is an endorsement?

An endorsement is an amendment to your policy written especially to cover unique items just for you. It is also a change to your policy that is made during the policy's term. An endorsement is attached to your policy to modify the terms of the insurance contract.

Should I buy collision insurance if I have an old car?

Buying collision insurance is a personal decision. You may want to consider the value of your car or the amount of loss you can personally assume. Our aim is to help you decide what coverages are best for you.

What is the difference between bodily injury liability coverage and medical payments coverage?

Bodily Injury Liability coverage pays for injuries you or anyone covered under your policy may cause to others. Medical Payments coverage pays for reasonable medical expenses for you or your passengers, regardless of who caused the accident. Some states require passengers to first seek reimbursement under their own automobile policy.

Is my child who is covered under my policy still covered by my policy while driving someone else's car?

If your child is a resident of your household and will have use of your vehicle, he or she should be listed on the policy in order to be covered while driving a vehicle included on the policy. If your child is driving someone else's car with their permission, the other person's insurance often covers the damage. If you have any questions about who should be listed as a driver, contact your Liberty Mutual representative.

What is the difference between split-limit liability coverage and single-limit liability coverage?

A single limit policy provides one total amount of coverage for bodily injury and property damage in an accident, regardless of the number of people involved or the extent of the property damage. Split-limit coverage specifies individual amounts in an accident for an injured person, for all injured people, and for damaged property.

For example, a $50,000 Single-Limit policy provides a total amount of $50,000 for bodily injury and property damage in an accident. A policy with $25,000/$50,000/ $10,000 Split-Limit coverage provides $25,000 per person.