You are required by law to carry a minimum level of auto insurance for your GMC Acadia. However, you have a choice regarding the extent of that coverage. You can opt for the minimum liability coverage required, or you can pay a higher premium for full coverage that better serves your needs.
The type of insurance you choose is only one of the factors that will determine you’re your policy will cost. However, these expenses can often be offset through the use of discounts.
As the name suggests, full coverage provides you with every important type of auto insurance coverage available. This type of insurance also helps pay for your own losses regardless of who caused the crash.
Full coverage insurance is three types of coverage: comprehensive, collision, and liability. Collision coverage pays for your damages when you collide with other drivers, pedestrians, or even fixed objects. Comprehensive coverage pays for your losses from non-collision damages, like vandalism. Liability insurance pays for any claims from other drivers when you are responsible for their damages.
State Minimum Liability
While you have the option to purchase a range of insurance products, in most states you are only required to carry liability insurance. Each state has its own approach to these minimums, but the law generally requires you to carry liability coverage for three specific types of losses: bodily injuries per person, bodily injuries per accident, and property damage per accident.