Auto insurance comes with a mix of terms that can sound similar, but two of the most important are collision coverage and liability coverage. Drivers in Oklahoma often carry both on their auto insurance with S & S Insurance Services Inc., serving Oklahoma City, OK; yet, each plays a very different role when accidents occur.
Collision Coverage Explained
Collision coverage is designed to repair or replace your own vehicle after an accident, regardless of who caused it. If you hit another car, a fence, or even a tree, this portion of your policy helps cover the damage to your vehicle. It is especially valuable for newer or higher-value cars, where out-of-pocket repair costs could be overwhelming.
Liability Coverage Explained
Liability coverage works differently. Instead of protecting your car, it protects you from the financial consequences of damaging someone else’s property or injuring another person in an accident you cause. Oklahoma requires drivers to carry minimum liability limits, but many people choose higher amounts to shield themselves from lawsuits or large claims better.
Why the Difference Matters
The main distinction is straightforward: collision coverage protects your vehicle, while liability coverage protects the other party. Without liability insurance, a single accident could expose you to thousands in medical bills or repair costs for someone else’s car. Without collision coverage, you would be left paying for your own vehicle’s damage out of pocket.
Collision and liability auto coverage through S & S Insurance Services Inc., serving Oklahoma City, OK, complements one another, providing drivers with well-rounded protection. One ensures your car can be repaired, while the other keeps you financially safe if you are held responsible for harming others. Together, they form the foundation of an auto policy that truly protects you from the unpredictable nature of the road. For more information about your policy terms, please contact us today.
