Mercedes C-Class drivers can benefit from several coverage options, including state minimum liability and full coverage.
Both vary greatly in terms of scope and degree of protection. One offers third-party benefits only, and the other provides a combination of first and third-party benefits like liability, collision, and comprehensive.
A full policy is a term used to describe a policy that comprises liability, collision, and comprehensive coverage.
Whereas liability covers the cost of injury or property damage caused to others in an at-fault accident, collision pays for repairs or replacement to your vehicle or property. In turn, comprehensive protects against non-collision-related events such as natural disasters, theft, and vandalism.
Full coverage does not necessarily include other types of coverage, e.g., uninsured/underinsured motorist, roadside assistance, and medical payments (MedPay). Although added separately and not required in many states, adding these may offer greater peace of mind.
State Minimum Liability
State minimum is the legally mandated policy your state requires you to have. Specifically, it provides protection for bodily injury and property damage up to specified limits, expressing as a three-number combination e.g. 25/50/10.
For example, all Idaho drivers must carry a 25/50/15 policy, or $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.
Minimum limits may not be enough to cover you in an accident. It’s not uncommon for medical costs and property damage to exceed your limits. Remember, the higher your liability limits, the better you are protected in the event of an accident.