Liability vs Full Coverage Car Insurance

Most people don’t think twice about their car insurance. Driving is a part of our everyday lives and we do it so often that we forget about the risks that come with operating a motor vehicle. But what happens if you cause a collision or someone hits your car in a parking lot? There are a number of problems that can arise while on the road. To ensure that you and the people around you are safe, it is important to understand the different insurance policies and what they do.

Understanding What Liability Insurance Does for You

Liability insurance is usually the minimum coverage you can have and still legally drive, but this can vary by state. Liability insurance is to protect other drivers and their vehicles from the damage that you could potentially cause them while on the road. Although liability policies can differ, listed below is a baseline of what you can expect: 

Covered:

1. Medical Care for Others: If you are at fault for an accident that requires the medical attention of another driver, liability coverage will take care of the costs according to your policy.
2. Car Repair Costs for Others: If you are responsible for a collision that results in the damage of another person’s vehicle, their damage costs will be covered based on your policy’s limits.

Not Covered:

1. Injuries to You: Say you were to get into a collision, and you sustained injuries, those costs would not be covered by your liability insurance.
2. Damage to Your Vehicle: Typically, liability car insurance does not cover any damages to your own vehicle after an accident.

It is important to understand that the main focus of liability insurance is to cover the damages your vehicle can cause to someone else’s vehicle or property. Liability insurance policies have different levels of protection and only cover accidents where you are at fault, so there may be instances where you need more protection and coverage than liability insurance is able to offer.

What Full Coverage Insurance Does for You

Full coverage insurance offers a wider range of coverage depending on the policy you choose and the insurance company that is providing it for you. The biggest advantage to full coverage insurance is that it covers damage done to your own vehicle. Full coverage insurance usually includes liability, collision, and comprehensive coverages which each serve a different purpose. Most full coverage insurance policies will offer coverage on:

1. Theft and vandalism
2. Damages caused by weather or a natural disaster
3. Damages causes by collision with another car or object
4. Injuries sustained by yourself or passengers
5. Injuries sustained by another driver

Get the Car Insurance That is Right for You

The differences in insurance policies and their coverages can be intimidating. No one ever wants to think about the dangers of operating a motor vehicle, that’s why Corkhill Insurance is here for you. Service is our policy, which is why we want to make sure that you’re covered, and your needs are met by our wide range of insurance policies. Give us a call today at 407-898-8891 to receive your free quote.