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Full Coverage Insurance vs. Liability Only: Understanding The Difference

At Shollenberger, Januzzi & Wolfe, LLP, we believe it is important for drivers in Pennsylvania to understand their insurance options and responsibilities. One common point of confusion for drivers is the issue of choosing full coverage auto insurance or liability only. The following information is designed to help drivers make the right decision to protect themselves and their family.

Full Coverage And Liability Coverage Defined

Liability coverage protects you in the event that you cause a motor vehicle accident that results in bodily injury to another person or property damage.

Full coverage is one of the most misunderstood issues related to auto insurance. The name leads many people to believe that it covers everything. That is not necessarily the case. There are often deductibles that will need to be met and the specific protections offered by a full coverage policy may vary from insurer to insurer and policy to policy.

Typically, full coverage includes collision coverage, which covers damage to vehicles as a result of a collision, as well as comprehensive coverage, which covers damage to vehicles as a result of something other than a collision such as fire or theft. Liability coverage is usually also included in a full coverage insurance policy.

Keep in mind that full coverage is much different than full tort.

The Importance Of Full Coverage Insurance

Having handled car insurance issues for decades, our attorneys recommend serious consideration be given to having full coverage insurance. While choosing liability coverage only may be cheaper, it is risky. In the event of a car crash, a person with liability only may be left with substantial costs. We encourage people to take care in choosing the appropriate auto insurance policy and we are happy to discuss these matters with people who want to make sure they are covered.

Learn More From An Experienced Lawyer

We hope that drivers will take the time to learn about insurance coverage issues before an auto accident. However, for those who have been hurt and need help sorting through their insurance issues, we are ready to help. Call us at 717-229-6580 or send us an email. Our law firm has offices in Harrisburg and Enola.