Freeway Insurance is ready to help you explore several auto insurance options. Two options that immediately come to mind are state minimum liability (liability-only) and full coverage insurance.
Both types of insurance vary in terms of cost and degree of protection offered and are different in that one provides first-party benefits, while the other provides third-party benefits.
A full coverage policy typically implies a combination of one or more policies, including liability, collision, and comprehensive.
Unlike liability-only (state minimum) policies, full coverage protects drivers better by offering additional first-party benefits to policyholders, their passengers, and the vehicle. It includes collision coverage, which covers the cost of repair or replacement of damages to your car in an accident, no matter who is at fault. It effectively covers vehicle-to-vehicle, vehicle objects, and rollover collisions.
In turn, comprehensive coverage pays out repair or replacement claims related to non-collision-related events such as natural disasters, fire, deer collisions, theft, and vandalism.
Although optional selections like roadside assistance, personal injury protection (PIP), uninsured/underinsured motorist coverage, and rental car reimbursement are helpful, some are not required (depending on the state) and only serve as add-ons for greater peace of mind.
State Minimum Liability
Nissan Frontier drivers can apply for state minimum liability coverage, comprising third-party benefits only with bodily injury and property damage liability.
Bodily injury liability pays for medical expenses incurred by opposing parties in an at-fault accident you are responsible for, up to specific liability limits. In turn, property damage pays for repairing and replacing third-party property such as a vehicle, house, mailbox, or fence — again, up to specified liability limits.
Every state has its minimum required liability limits. For example, Michigan (a no-fault state) requires $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident, $10,000 in property damage, and $1 million in property protection insurance (PPI).