Ford Expedition drivers can take advantage of several auto insurance options, including state minimum liability and full coverage.
Full coverage is a type of auto insurance that packages liability, collision, and comprehensive coverage. Liability provides third-party benefits, whereas collision and comprehensive provide first-party benefits to you, your passengers, and your vehicle.
Collision helps pay for repairs after a wreck. In turn, comprehensive coverage pays for damages due to non-collision-related events outside your control, such as vandalism, natural disasters, theft, and hail.
If your state does not require them, you can opt for other types of coverages including uninsured/underinsured motorist coverage, personal injury protection (PIP), medical payments (MedPay), roadside assistance, and rental car reimbursement,
Thanks to the greater protection offered by full coverage over minimum liability, expect to pay several hundred dollars more per year for the privilege. However, you would be protected against a broader range of scenarios for greater peace of mind.
State Minimum Liability
All states require drivers to carry minimum liability coverage limits for bodily injury and property damage. It is intended to provide third-party benefits, covering the cost of bodily injury and property damage to others after an at-fault accident.
All required minimums for bodily injury and property damage liability vary by state, expressed as three numbers. For example, California requires that all drivers carry a 15/30/5 policy, which translates to $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability.
We highly recommend that you carry higher liability limits than your state minimums. State minimum liability is often needed to cover all accident costs. Even a single fender bender can resulting damages exceeding your bodily injury and property damage limits.