Liability vs. Full Coverage Auto Insurance – Which One Do You Need?
Understanding Your Auto Insurance Options
When shopping for car insurance, one of the most important decisions is choosing between liability-only and full coverage. The right choice depends on your budget, vehicle value, and personal risk tolerance.
Let’s break down what each type covers and help you decide which one is best for you.
What is Liability-Only Auto Insurance?
Liability insurance is the minimum coverage required by law in most states. It only covers damage you cause to others—not your own vehicle.
What Liability Insurance Covers:
Bodily Injury Liability – Pays for medical expenses if you injure someone in an accident.
Property Damage Liability – Covers repair costs if you damage someone else’s car or property.
What It Doesn’t Cover:
Your own vehicle’s damage (even if the accident is your fault).
Theft, vandalism, fire, flood, or other non-accident-related damage.
Who Should Consider Liability-Only Insurance?
✔ Drivers with older cars (typically worth less than $3,000).
✔ People looking for the cheapest insurance option.
✔ Those who can afford to pay for repairs or a new car out-of-pocket.
⚠ Warning: If your car is stolen, totaled, or badly damaged, liability insurance won’t pay for your loss.
What is Full Coverage Auto Insurance?
Full coverage includes liability insurance but also protects your own vehicle in case of accidents, theft, or natural disasters.
What Full Coverage Includes:
Liability Insurance (Bodily Injury & Property Damage).
Collision Coverage – Pays for damage to your car after an accident, regardless of fault.
Comprehensive Coverage – Covers theft, vandalism, natural disasters, hitting an animal, and more.
What Full Coverage Doesn’t Cover:
Mechanical breakdowns or wear and tear.
Intentional damage or reckless driving.
Who Should Consider Full Coverage Insurance?
✔ Drivers with newer or financed cars (lenders often require full coverage).
✔ People who can’t afford to replace or repair their car out-of-pocket.
✔ Anyone who wants protection against theft, storms, or major accidents.
Liability vs. Full Coverage: How to Choose the Right One
Ask yourself these questions:
💡 Is your car worth more than $3,000? → Get full coverage.
💡 Can you afford to replace your car if it’s totaled? → If yes, liability might be enough.
💡 Do you drive often in high-traffic areas? → Full coverage is a safer option.
💡 Do you have a car loan or lease? → You must have full coverage.
Let’s Find the Best Auto Insurance for You!
Whether you need basic liability insurance or full coverage protection, I’m here to help! As a Progressive Exclusive Agent, I’ll guide you through the process and make sure you’re getting the right policy for your needs.
