Car insurance terms can feel a bit confusing so here is a simple breakdown of what liability insurance covers versus what’s included when people refer to full coverage.
Liability Car Insurance
Liability insurance is the minimum coverage required in most states, and it protects other people if you cause an accident. It includes two key parts:
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Bodily Injury Liability – Covers medical bills, lost wages, and legal expenses for the other party if they’re injured.
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Property Damage Liability – Covers repairs or replacement for someone else’s vehicle or property.
Liability coverage does not pay for damage to your own car or injuries to you or your passengers.
Full Coverage Car Insurance
“Full coverage” isn’t a single policy—it’s a combination of liability plus additional protections that cover your own vehicle as well. A full coverage policy typically includes:
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Liability Coverage – Everything listed above.
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Collision Coverage – Pays to repair or replace your vehicle after an accident you cause or if you hit an object.
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Comprehensive Coverage – Covers non‑collision events such as theft, vandalism, hail, fire, falling objects, or hitting an animal.
Full coverage offers broader protection and is often required if your car is leased or financed.
If you have any further questions, give our office a call at 708-845-5466 or visit our website www.meritinsurancegroup.com
