The Difference Between Full Coverage and Liability-Only Auto Insurance

Choosing the right auto insurance is an important decision, and understanding the difference between full coverage and liability-only auto insurance can help you make an informed choice that fits your needs. At Bargain Insurance Connection, our team is here to guide you through your options and help you find the right coverage for your situation.

What Is Liability-Only Auto Insurance?

Liability-only insurance is the minimum coverage required by Missouri law. This type of policy typically includes:

• Bodily injury liability, which may help cover medical expenses for others if you’re at fault
• Property damage liability, which may help pay for damage to another person’s vehicle or property

Liability-only insurance does not cover damage to your own vehicle or your own injuries. It’s often chosen by drivers with older cars or those looking for the lowest premium option.

What Does Full Coverage Include?

Full coverage auto insurance combines liability coverage with:

• Collision coverage, which may help pay for repairs to your car after an accident, regardless of fault
• Comprehensive coverage, which may help cover damage from non-collision events, such as theft, vandalism, fire or severe weather

Full coverage may be required if you have a car loan or lease. It’s a good choice for drivers who want broader coverage, especially for newer or higher-value vehicles.

Which Option Is Right for You?

The best policy depends on your situation. Consider:

• The age and value of your vehicle
• Your premium and potential repair costs
• Whether you have a loan or lease on your car
• Your comfort level with risk

Our team at Bargain Insurance Connection can help you compare car insurance options and find a policy that matches your needs. Contact us today to get started.

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.