As an agent employed at a Charlotte insurance agency, customers have asked a plethora of questions regarding personal insurance policies. One of the most frequently asked questions is this: What is the difference between full coverage and liability only coverage with regard to my NC auto insurance plan?
Liability coverage, as it applies to auto insurance, protects the insured from bodily injury and property damage done to other drivers when he or she is considered at-fault. Full coverage includes deductibles for comprehensive and collision coverages, which protect your vehicle in the event that it were to be damaged in an at-fault accident. Liability limits are also included with full coverage.
Monthly premiums generally tend to be higher for full coverage policies when compared to liability only policies because of the increased amount of coverage.