<\/p>\n

The term “full coverage<\/strong>” is used loosely in insurance and can mean different things to different people. Legally, the absolute bare minimum coverage required by states is:<\/p>\n

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• Liability insurance<\/li>\n<\/ul>\n

  This covers damage YOU cause to others in an accident that is deemed your fault. Liability insurance is broken out into:<\/p>\n

  \n
  • \n
    \n
    • Bodily Injury Liability (covers medical costs of people injured)<\/li>\n<\/ul>\n<\/li>\n
    • \n
      \n
      • Property Damage Liability (covers repair costs for property you damage)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

        So realistically, liability insurance only protects other people<\/em> – it does nothing to repair your own car or cover medical bills if you or family members are injured.<\/p>\n

        <\/span>Components of True Full Coverage Auto Insurance<\/span><\/h2>\n

        <\/p>