Nissan Versa drivers can benefit from a variety of auto policies, including state minimum liability and full coverage, plus many optional packages for better financial protection.
This coverage has liability and also includes collision and comprehensive. Collision covers the cost of repairing or replacing your vehicle due to an accident (regardless of who is responsible). In turn, comprehensive pays for damages to your car caused by non-collision-related events such as natural disasters, fire, and theft.
Both collision and comprehensive are not required by state law. However, they have first-party benefits that can be of great assistance financially. Other benefits include reducing the likelihood of going out of pocket to pay for damages.
Optional full coverage selections include rental car reimbursement, roadside assistance, and uninsured/underinsured motorist coverage.
State Minimum Liability
State minimum liability includes bodily injury, and property damage coverage.
Every state requires that all drivers carry minimum liability limits. For example, all Texas drivers must have 30/60/25 limits, translating to $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability.
Bodily injury pays for medical expenses, pain, suffering, and lost wages for third parties affected by an at-fault accident you cause. Property damage liability pays for repairing or replacing damaged vehicles, light posts, houses, or any other property affected. Note bodily injury and property damage extend third-party benefits, not first-party benefits.
For first-party benefits, you need to take out collision and comprehensive, which covers damages to your vehicle/injuries to you and your passengers.