What some mean by “full coverage”
You might hear people refer to full coverage as your state’s required coverages, plus adding comprehensive and collision. Liability is usually a required coverage and automatically included in every car insurance policy. It pays for damages you cause to others. That could be their car, injuries, etc. Comprehensive and collision are optional coverages that cover your car if it’s damaged. Hence the misnomer of full coverage to describe adding comprehensive and collision.
Keep in mind, if you’re financing or leasing your car, your lender may require you to have comprehensive and collision.
Get a car insurance quote, and you can add these coverages. Even beyond these, we offer many other coverages for extra protection.
Some of the many coverages we offer
Coverages that pay for others’ damages
Liability: If you’re at fault in an accident, liability pays for damage you cause. That can mean damage to other cars, property (mailboxes, houses, etc.) and other drivers’/passengers’ injuries. Liability even covers you if someone else sues you. You’re covered up to the limit you choose. Most insurers offer up to $500,000 in liability coverage.
Remember, if you cause a serious accident, someone could sue you and come after everything you have, including your assets, house, future wages, and possibly even your retirement accounts. That’s why you should always have enough to cover all the money and assets you have (your total net worth).
Coverages that pay for your car
Comprehensive and collision: If you add these coverages and your car is totaled, your insurer will pay out how much it’s worth (minus your deductible). In fact, we insure cars up to $150,000.