Question By: Liability and full coverage auto insurance serve different purposes. Liability insurance covers damages or injuries you cause to others in an accident where you are at fault. It typically includes bodily injury liability (for medical expenses and lost wages of the other party) and property damage liability (for repairing or replacing the other party's property). Liability insurance does not cover your own vehicle's damages or injuries.
Full coverage insurance combines liability coverage with additional protections. It includes collision coverage (for damages to your car from accidents, regardless of fault) and comprehensive coverage (for non-collision events such as theft, vandalism, or natural disasters). Full coverage also often includes uninsured/underinsured motorist coverage and medical payments coverage. Essentially, full coverage offers broader protection, covering both your vehicle and yourself, while liability insurance focuses solely on the other party involved.
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