Nissan owners can choose from the bare minimum of liability only to more protection with added benefits, such as collision and/or comprehensive, to even more coverage with optional add-ons such as gap and roadside assistance.
Any auto insurance policy that includes liability, collision, and comprehensive may be classified as full coverage.
However, full coverage can also include options such as medical payments (MedPay), uninsured/underinsured motorist, roadside assistance, and rental car reimbursement.
In the event of an accident, full coverage will provide substantially greater protections than state minimum liability. Remember, state minimum liability is the minimum amount required by state law and only covers third-party benefits. In contrast, full coverage provides first-party benefits like collision and comprehensive, which pays for damages to one’s vehicle due to collision and non-collision related events.
One of the best ways to save on full coverage is by taking advantage of many discount programs through your insurer.
State Minimum Liability
All states require that drivers carry minimum liability insurance, as required by law. This requirement helps cover the cost of damages or injuries to third parties in an at-fault accident you cause.
For example, Colorado law requires all drivers to carry minimum liability requirements of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability coverage per accident.
In turn, Delaware drivers must adhere to a minimum 25/50/10 policy, translating to $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.
It is highly recommended that you carry liability limits above what your state requires. For example, if you are a Delaware-based driver in an at-fault accident resulting in $120,000 worth of medical expenses and lost wages to third parties, expect to pay high out-of-pocket costs with the possibility of lawsuits if you do not have enough insurance.