The law in every state requires drivers to maintain a minimum level of liability insurance in case of an accident. These limits represent the minimum insurance you must carry, but you may add additional coverage that you might decide is in your best interests.
Full coverage car insurance goes above and beyond what is required by law. When you purchase full coverage car insurance, it not only pays for your own damages, it also protects you from lawsuits filed by other drivers involved in an accident with you.
Full coverage includes three parts: collision, comprehensive, and liability insurance. Collision insurance pays for your damages caused by a collision. This collision could be with another vehicle, a fixed object, or even a pedestrian.
Comprehensive coverage fills the gaps for damage that happens outside of a collision. You could rely on this coverage when your vehicle is damaged by things like severe weather or vandalism.
Finally, full coverage also provides liability protection. Your liability policy covers any damage you cause when you are at fault for an accident.
State Minimum Liability
The laws of each state typically require liability coverage. This minimum amount of coverage is often less than is needed to protect you from a third-party claim in the case of an accident. The good news is you have the right to purchase additional coverage above and beyond the legal minimum.