There are many auto insurance policies Freeway Insurance customers can choose, including liability, as well as optional ones like roadside assistance.
Full coverage for your Ford Escape offers greater protections versus a state minimum liability policy. For starters, it includes comprehensive and collision policies, which cover the cost of damages to your vehicle due to collisions and non-collision-related events, such as falling tree limbs.
This type of policy typically does not include miscellaneous coverage, such as rental car reimbursement, gap and uninsured/underinsured motorist coverage. Some states require uninsured motorist coverage, but even if they don’t, it’s well worth the relatively small amount to add it to your policy.
On top of full coverage, we strongly recommend carrying higher liability limits. Even a single-car accident can exceed your minimum liability, forcing you to go out of pocket to pay for the remaining expenses not covered under your policy. We recommend a 100/300/100 policy, consisting of $100,000 in bodily injury per person, $300,000 in bodily injury per accident, and $100,000 in property damage.
State Minimum Liability
State minimum liability coverage provides third-party benefits, such as the cost of injuries and property damage to non-at-fault drivers. How much liability you are required to carry depends on the state.
For example, California drivers must have $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability per accident.
If you can afford it, we recommend opting for a full policy over a state minimum liability policy since it provides more benefits. For example, a full policy includes comprehensive and collision, which covers a broader range of scenarios, such as rollover collisions and falling tree limbs. The more comprehensive the coverage, the greater the peace of mind you can have when on the road.
Plus, the average cost of new vehicles has exceeded $40,000. Many states cap their minimum property damage liability policy to $25,000 (or less) annually, barely enough to scratch the surface. So expect out-of-pocket costs if you are at fault in an accident while carrying the state minimum.