Needs insurance

What is the difference between liability and full-coverege insurance?

What does liability cover and what does full converage cover?

Best Answer - Chosen by Voters

Liability means, you have at least the bare minimum coverage required by law, in your state. You could have more, but you have at least, the absolute minimum.

Full coverage means, you have at least the bare minimum, plus collision, plus comprehensive. It does NOT mean you are fully covered. It does NOT mean you have rental coverage, or lost wages, or medical, or any other coverage, which is OPTIONAL, in your state. You might have it, you might not.

If you buy a car, and have a loan on it, you might be required to carry "full coverage". BUT, that might not be enough coverage for your situation.



or

Liability covers damage you do to other people or their property...when it's your fault. "Full Coverage" is liability plus coverage for your vehicle, this includes collision coverage and coverage for theft, hail, fire, vandalism...etc.

The term full coverage usually includes Personal Injury Protection which covers a small amount of medical expenses for people in your vehicle....no matter who was at fault. It also usually includes Uninsured Motorist coverage...which I highly recommend you buy....1 in three drivers on the road in Texas are driving without insurance.