Auto Insurance Coverage: Understanding Liability, Comprehensive & Collision

When it comes to protecting your vehicle, understanding your auto insurance options is the first step toward peace of mind. Whether you're a new driver or revisiting your current policy, knowing the difference between liability, comprehensive, and collision coverage can help you make smarter, more confident decisions. 

At Stuckey & Company, we partner with trusted carriers like Bristol West, The Hartford, MetLife/Travelers, and Chubb to provide flexible coverage options that work for you. 

What Is Liability Coverage? 

Liability coverage is required in most states—and it’s the foundation of any auto insurance policy. If you're at fault in an accident, liability helps cover: 

• Bodily Injury Liability: Medical expenses, lost wages, and legal fees for injuries you cause to others. 

• Property Damage Liability: Repairs to another person’s vehicle or property. 

Think of liability as your financial safety net. Without it, you'd be responsible for paying these costs out of pocket. 

What Is Comprehensive Coverage? 

Comprehensive insurance protects your vehicle from damages that aren’t caused by a collision. It includes scenarios like: 

• Theft or break-ins 

• Fire, flood, or hail 

• Falling objects (like tree limbs) 

• Animal collisions 

• Vandalism 

Why it matters: If your car is parked and gets damaged—or if it’s stolen—comprehensive coverage helps repair or replace it, up to the policy’s limits. 

What Is Collision Coverage? 

Collision insurance covers damage to your car when you're involved in a crash—regardless of who's at fault. It applies to situations like: 

• Colliding with another vehicle 

• Hitting a pole, fence, or other object 

• Single-car accidents 

If you're leasing or financing your vehicle, this coverage is often required by your lender. 

Finding the Right Coverage

The right policy depends on your policy holder's vehicle, driving habits, and budget. For example: 

• If they drive an older car that is owned outright, liability coverage may be sufficient.

• If they rely on their car daily or it holds significant value, comprehensive and collision coverage should be considered to protect against accidents, theft, and other unforeseen events.

Our Carrier Partners 

We proudly provide access to a wide range of top-rated insurance carriers, including: 

• Bristol West – Known for flexible policies and affordability 

• The Hartford – Specializing in coverage for mature and responsible drivers 

• MetLife/Travelers – Providing robust, customizable auto insurance solutions 

• Chubb – Offering premium coverage for high-value vehicles and added peace of mind 

These are just a few of the trusted names in our network. As an MGA, Stuckey & Company gives independent agents access to carrier websites, online quoting tools, and product portals—to serve your clients with ease and confidence. 

Whether you're looking for standard auto coverage or specialty programs, our service connects you to the carriers and tools you need to write business more efficiently.