Understanding Liability Auto Insurance in Cullman

Liability is a very nice word for certain people when it comes to picking out their auto insurance because it typically means that the person paying the policy will be paying a very decreased rate. However, there are certain factors to consider before you decide that liability insurance is for you. Insurance Solutions Inc. in Cullman, AL wants you to know more. 

The Straight Facts 

Liability will not cover your own car should it be damaged during an accident or stolen, meaning you’re on the hook for all of the repairs or replacement as well as the rental car while you work to get your damaged car back on the road. For those who drive very inexpensive cars, it can make sense to do liability only because the costs will still be low. However, that still means an added expense of trying to find a new car or paying out of pocket to the mechanic. It may be the best choice for some people, but for many those expenses in the event of an accident end up being more than it would have cost to get liability. 

What You Can Do 

You may want to consider getting additional coverage instead to ensure that your car stays functional regardless of what happens. There are a variety of policies that you can request, depending on what is most relevant to you. For example, if you live on a street where car theft happens to be common, then you can add on theft coverage. Or you may want to add coverage if an uninsured driver hits you. Fortunately, Insurance Solutions Inc. in Cullman, AL can help you navigate the choices, so call us today if you’re looking for a quote for a new policy.