As a Ford E Series driver, you can benefit from various insurance options, including state minimum liability, full coverage and a variety of other types such as uninsured motorist coverage or rental car reimbursement.
State minimum liability only provides third-party benefits (covering the cost of damages and injuries sustained by others in an at-fault accident you cause (whereas full coverage includes third-party and first-party benefits with protections for you, your passengers, and your vehicle).
A full coverage policy consists of liability, collision, and comprehensive coverage.
Collision and comprehensive coverage pay for repairs and replacement to your vehicle in case of crashes or non-collision-related scenarios such as rollover collisions, fire, theft, and falling tree limbs.
State Minimum Liability
To legally operate a vehicle in your state, you must carry at least a state minimum liability policy that provides third-party benefits for bodily injury and property damage liability, covering the cost of damages and injury sustained by others in an accident you cause.
Liability is the most fundamental part of a policy, comprising of bodily injury and property damage liability that pays for lost income, property repairs, and medical bills for third parties in an at-fault accident you cause.
State minimum liability is expressed as three numbers (e.g., 25/50/25). Using Connecticut as an example, all drivers are required to carry a minimum of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.
We highly recommend that you seek higher coverage limits to ensure you have enough protection in case of a serious accident. Remember that you will be held liable to cover all remaining expenses if the cost of third-party damages or injuries surpasses your coverage limits.