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Two Way Auto Insurance

Two way auto insurance or “2-Way” auto insurance is a combination of liability auto insurance and collision auto insurance. All states require liability insurance, and the levels vary by state. Liability auto insurance pays for damage that you may do to others (bodily injury) as well as property damage in case of an accident. Liability auto insurance coverage uses three numbers to explain each state’s limits. For example, Alaska’s current minimum liability auto insurance requirements are 50/100/25 ($50,000/$100,000/$25,000). The first number is the minimum amount of auto insurance coverage for injuries to any one person. The second number is the minimum coverage for total injuries per accident, and the third number is for property damages. In some cases, drivers may opt for additional insurance, such as collision auto insurance. Collision auto insurance is not required by any state, but it will cover repairs to your vehicle in case of a collision (this is unlike liability auto insurance, which does not cover payments on damages to your car). So, when you combine liability auto insurance coverage and collision auto insurance coverage to create a two way auto insurance policy, you can save a great deal of money if your car is damaged or totaled in an accident. While liability will cover any other parties involved in an accident, without collision auto insurance, you will be responsible for paying for any damages to your vehicle. In the case of a total loss due to an accident, without collision auto insurance, you will have to eat the cost of replacing your vehicle. Get multiple free quotes on two way auto insurance here at AutoCarInsurance.org. Simply enter your zip code in the box above to begin.