Liability coverage can be thought of as the minimum amount of coverage that you must purchase to drive legally in the United States. Full coverage, on the other hand, typically includes liability coverage as well as other types of coverage such as comprehensive, medical, and bodily injury coverage. Consult with All-Tex Insurance in Granbury, TX for expert insurance advice.
More on Liability and Full Coverage Auto Insurance
Liability coverage only protects you from financial responsibility if you cause an accident. Let’s say that if you’re driving to work and rear-end a car at a stoplight, the other driver will likely want to be compensated for the damages to their car. If they’re hurt they may want compensation for medical bills. These expenditures will be partially covered by liability coverage.
Full coverage protects you against legal responsibility as well as material damage to your vehicle. Your liability insurance will pay for any damages you make to another person or their property, regardless of the person at fault.
Full coverage or “all hazard” coverage includes liability coverage and often comes with additional cost. It may include things like emergency medical expenses, towing and rental car expenses, or a hotel stay if you’re repairing the car.
Some full coverage policies include things like trip interruption coverage, or even lost wages if you are unable to work because of an accident. These benefits are often only available if you purchase them as an add-on to your policy.
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Full coverage auto insurance includes liability coverage, but it also includes coverage for things like towing, rental car, and medical expenses if you are in an accident that wasn’t your fault.
Many experts recommend that you have at least liability coverage on your policy, but it’s especially important if your car has high value or you have family members riding in it. You can usually increase your liability limits for a small monthly premium. Get expert insurance advice by contacting our agents at All-Tex Insurance in Granbury, TX.