What’s the Difference Between Liability and Full Coverage? 

Choosing the right auto insurance can be overwhelming, especially with so many options available. At Stephany's Auto Insurance Services, we know how important it is to understand your choices, particularly when it comes to liability insurance versus full coverage. Here’s what you need to know to make the best decision for your needs.

What Is Liability Coverage?

Liability coverage can help you pay for bodily injuries or property damage you cause to others in an accident. California requires drivers to carry minimum amounts of liability coverage. It doesn’t cover your own injuries or damage to your vehicle.

What Is Full Coverage?

Full coverage is a term often used to describe a policy that includes liability coverage plus collision and comprehensive coverage. It generally costs more than liability coverage, but itf offers broader financial protection.

It typically covers the following:

• Necessary expenses if you’re held liable for third-party damage or injuries
• Damage to your vehicle after hitting an object or another vehicle
• Damage caused by falling objects, fire, natural disasters, theft or vandalism

It may also include coverage for uninsured/underinsured motorist damage or roadside assistance, depending on your needs.

How Our Team Can Help

Stephany's Auto Insurance Services is here for all your personal or business insurance needs. We can help you compare auto insurance options and find the right balance of coverage for your situation.

Contact us today to review your policy options or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.