{"id":884,"date":"2011-08-09T13:15:40","date_gmt":"2011-08-09T17:15:40","guid":{"rendered":"http:\/\/www.myinsurancedoctor.com\/?p=884"},"modified":"2011-08-09T13:15:40","modified_gmt":"2011-08-09T17:15:40","slug":"am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified","status":"publish","type":"post","link":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/","title":{"rendered":"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified"},"content":{"rendered":"

Sometimes the trickiest part of auto insurance is figuring out what you need, what you\u2019re paying for, or what is going to cover what. So for the sake of simplicity, here are a few common types of auto insurance and what the terms mean.<\/p>\n

Liability. If you\u2019re in an accident with another vehicle and you\u2019re at fault, you\u2019re liable (that is, you\u2019re responsible) for the damage to the other person\u2019s property or body. These damages are covered by the liability portion of your policy, up to the maximum amount on your policy. In Virginia and North Carolina, as well as most other states, liability insurance is the required minimum coverage.<\/p>\n

Collision. Let\u2019s say your foot slips off the brake as you\u2019re headed into the drive-thru for a quick burger, and you run into the speaker box as you\u2019re trying to order. Collision covers you here. Basically, collision insurance covers you against collisions with anything other than automobiles.<\/p>\n

Comprehensive. In the event a branch falls from a tree and smashes your windshield, or a freak hail storm materializes out of nowhere and golf ball sized chunks of ice pummel your hood, comprehensive insurance will cover the damage. Generally, comprehensive covers damage to your automobile that doesn\u2019t occur while you\u2019re driving it, and also covers such things as theft and vandalism.<\/p>\n

Full Coverage. This term is used to describe coverage that includes all three above: liability, collision, and comprehensive.<\/p>\n

If you\u2019re in Virginia or North Carolina and you\u2019re not sure what type of coverage you need, or if you have enough insurance, get in touch with us at Insurance Doctor. We\u2019ll be happy to walk you through the policies we have available and help you find the one that fits you best.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sometimes the trickiest part of auto insurance is figuring out what you need, what you\u2019re paying for, or what is going to cover what. So for the sake of simplicity, here are a few common types of auto insurance and what the terms mean. Liability. If you\u2019re in an accident with another vehicle and you\u2019re<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"yoast_head":"\nAm I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian\" \/>\n<meta property=\"og:description\" content=\"Sometimes the trickiest part of auto insurance is figuring out what you need, what you\u2019re paying for, or what is going to cover what. So for the sake of simplicity, here are a few common types of auto insurance and what the terms mean. Liability. If you\u2019re in an accident with another vehicle and you\u2019re\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/\" \/>\n<meta property=\"og:site_name\" content=\"Midlothian\" \/>\n<meta property=\"article:published_time\" content=\"2011-08-09T17:15:40+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/\",\"url\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/\",\"name\":\"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian\",\"isPartOf\":{\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/#website\"},\"datePublished\":\"2011-08-09T17:15:40+00:00\",\"dateModified\":\"2011-08-09T17:15:40+00:00\",\"author\":{\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/a7eedd99afbeae49960237bbcb1ddbb8\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/#website\",\"url\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/\",\"name\":\"Midlothian\",\"description\":\"Insurance Doctor of Midlothian\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/a7eedd99afbeae49960237bbcb1ddbb8\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5c406f040bdd27d0abd39f1134b6e9b3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5c406f040bdd27d0abd39f1134b6e9b3?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/www.myinsurancedoctor.com\/midlothian\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/","og_locale":"en_US","og_type":"article","og_title":"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian","og_description":"Sometimes the trickiest part of auto insurance is figuring out what you need, what you\u2019re paying for, or what is going to cover what. So for the sake of simplicity, here are a few common types of auto insurance and what the terms mean. Liability. If you\u2019re in an accident with another vehicle and you\u2019re","og_url":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/","og_site_name":"Midlothian","article_published_time":"2011-08-09T17:15:40+00:00","author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/","url":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/","name":"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified - Midlothian","isPartOf":{"@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/#website"},"datePublished":"2011-08-09T17:15:40+00:00","dateModified":"2011-08-09T17:15:40+00:00","author":{"@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/a7eedd99afbeae49960237bbcb1ddbb8"},"breadcrumb":{"@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/2011\/08\/09\/am-i-comprehensively-liable-for-my-collision-auto-insurance-terms-clarified\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.myinsurancedoctor.com\/midlothian\/"},{"@type":"ListItem","position":2,"name":"Am I Comprehensively Liable for My Collision? Auto Insurance Terms Clarified"}]},{"@type":"WebSite","@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/#website","url":"https:\/\/www.myinsurancedoctor.com\/midlothian\/","name":"Midlothian","description":"Insurance Doctor of Midlothian","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myinsurancedoctor.com\/midlothian\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/a7eedd99afbeae49960237bbcb1ddbb8","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myinsurancedoctor.com\/midlothian\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5c406f040bdd27d0abd39f1134b6e9b3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5c406f040bdd27d0abd39f1134b6e9b3?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/www.myinsurancedoctor.com\/midlothian\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/posts\/884"}],"collection":[{"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/comments?post=884"}],"version-history":[{"count":0,"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/posts\/884\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/media?parent=884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/categories?post=884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myinsurancedoctor.com\/midlothian\/wp-json\/wp\/v2\/tags?post=884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}