What’s the Difference Between Auto Liability and Full Coverage?

Choosing the right auto insurance is an important decision for every driver. At Liberty Pro Insurance, we know that understanding your options—especially the difference between auto liability and full coverage—can help you make the best choice for your needs and budget.

What Is Auto Liability Insurance?

Auto liability insurance is a key foundation of car insurance. It’s typically required by state law and is designed to help cover costs if you’re at fault in an accident that causes injury or property damage to others. There are two main parts:

• Bodily injury liability coverage may help pay for medical expenses, lost wages and legal fees if you injure someone in an accident.
• Property damage liability coverage may help cover the cost of repairing or replacing another person’s vehicle or property.

It’s important to note that liability insurance does not pay for your own injuries or damage to your vehicle.

What Does Full Coverage Include?

Full coverage auto insurance is a term used to describe a policy that goes beyond liability for third-party losses, although exact definitions may vary by insurer. In many cases, in addition to the state-required liability coverage, full coverage can include:

• Collision coverage may help pay to repair or replace your car if it’s damaged in a crash, regardless of who is at fault.
• Comprehensive coverage may help cover damage from noncollision events, such as theft, vandalism, fire or Louisiana’s frequent storms.
• Uninsured or underinsured motorist coverage may help cover you if you’re hit by an at-fault driver who doesn’t have enough insurance to cover your losses.

Full coverage offers broader financial protection, including for your own vehicle, and can be especially valuable if your car is newer, financed or leased.

Which Option Is Right for You?

Drivers must carry at least the minimum liability coverage, but full coverage may be a smart choice if:

• You want to insure your own vehicle from a wide range of risks.
• Your car is newer or still being paid off.
• You want peace of mind on the road.

Liability-only policies may be suitable for older vehicles or those with lower value, especially if you’re looking to keep insurance costs down.

Let’s Find the Right Coverage Together

Our team at Liberty Pro Insurance is here to help you compare auto liability and full coverage options, so you can make an informed decision. Ready to review your car insurance? 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.