Difference Between Liability And Full Coverage Car Insurance

What is Liability Car Insurance?

Liability car insurance is the minimum coverage required by law in most states. This type of insurance is intended to cover any damages and injuries you cause to another person or property while operating your vehicle. It does not cover any damage to your own car in the event of an accident, and it does not cover any medical expenses for you or your passengers. Liability car insurance can be broken down into two parts, property damage liability and bodily injury liability.

Property damage liability will cover any damage to another person's property caused by you while operating your car. This can include buildings, fences, structures, and other cars. Bodily injury liability covers any medical expenses related to an injury caused by you while operating your car. This includes any medical bills, lost wages, and pain and suffering.

What is Full Coverage Car Insurance?

Full coverage car insurance is coverage beyond the minimum required by law. It includes liability car insurance, as well as additional coverage such as collision and comprehensive. Collision coverage will cover any damage to your own car in the event of an accident. Comprehensive coverage will cover any damage to your car caused by anything other than an accident, such as theft, fire, or flooding.

Full coverage car insurance also covers any medical expenses related to an accident, including medical bills, lost wages, and pain and suffering. It also offers coverage for towing and rental cars in the event of an accident or breakdown. It is important to note that full coverage car insurance is not a guarantee of payment; it is simply additional coverage beyond the minimum required by law.

The Differences Between Liability and Full Coverage Car Insurance

The main difference between liability and full coverage car insurance is the amount of coverage offered. Liability car insurance only covers any damages and injuries you cause to another person or property, while full coverage car insurance offers additional coverage such as collision and comprehensive, as well as any medical expenses related to an accident.

It is important to note that full coverage car insurance does not guarantee payment in the event of an accident. It simply provides additional coverage beyond the minimum required by law. The amount of coverage offered by full coverage car insurance can vary depending on the policy and the insurance company.

In Conclusion

Liability car insurance is the minimum coverage required by law in most states, and it covers any damages and injuries you cause to another person or property. Full coverage car insurance is coverage beyond the minimum required by law, and it includes liability car insurance, as well as additional coverage such as collision and comprehensive. It also covers any medical expenses related to an accident. The main difference between liability and full coverage car insurance is the amount of coverage offered.