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Key takeaways. Most states require drivers to carry liability coverage, including bodily injury liability and property damage liability. Collision and comprehensive coverage are optional, but if ...
Liability insurance. Required by law to pay for injuries or damage you cause to others in an accident. ... While liability, comprehensive and collision form the foundation of full coverage ...
Minimum coverage liability insurance does not involve a deductible, but if you have full coverage auto insurance, then there will be a deductible on both your collision and comprehensive coverage ...
This is because comprehensive auto insurance coverage is generally seen as supplemental auto insurance, meaning it fills the gaps left behind by liability and collision.
Full coverage is the term commonly used to refer to the combination of comprehensive and collision coverages (liability is generally also implied.) The term full coverage is actually a misnomer because, even within traditional "full coverage" insurance, there are many different types of coverage, and many optional amounts of each.
Comprehensive coverage: This type of insurance is designed to protect your vehicle from non-collision events, such as theft, vandalism or natural disasters. For instance, if your car is damaged ...
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