How much do you pay for your insurance? (US only)

[yarisitis]

Originally Posted by yarisitis

I just got my own policy earlier this week after being on my parents AAA policy for 6 years. I got it with 21st Century. I only got liability since my car has a salvaged title and it wouldn't be worth it to get comp and collision and they wouldn't give it to me even if I wanted it.

2008 Yaris Liftback.

6-month policy premium: $363

Coverage:

-Bodily Injury: $50k/$100k = $177
-Property Damage: $50k = $111
-Uninsured Motorist Bodily Injury: $50k/$100k = $63
-Uninsured Motorist Property Damage: $3,500 Max = $12
-Roadside Assistance: $76 per occurrence = Free


Discounts:

-Superior driver discount.
-Good driver discount.
-Occupation discount.

Quick insurance related question. I want to make sure I understand this correctly.

I don't have comprehensive and collision. So if I'm in an accident and I'm at fault my insurance coverage will pay for the other person's damages but WILL NOT pay for my car's damages, I know this is correct.


But, if I'm in an accident and the other person is at fault, the other person's insurance WILL pay for my car's damages, correct?