Full Coverage vs. Liability

Driving on the Pittsburgh, PA roads can be hectic, which is why it’s important to have the right coverage for your automobile. However, some drivers may be torn between getting just the minimum amount of coverage, liability, and getting full protection on their vehicle, full coverage. The insurance experts at Gallina and Sons have put together a handy guide to help you navigate the world of car insurance and compare these two different coverage types. 

What Does Full Coverage and Liability Cover?

When you have full coverage on a car, you are covered in the case that you get into an accident and you are either at fault, the other driver is at fault, or your car is damaged in an act of nature. Liability only covers you if you get into an accident and you are the one who is at fault. Both provide financial relief in the event you get into an accident, it’s just a matter of the severity of the accident and the specific circumstances of the accident that determines what coverage you will receive. To find out which coverage is the most appropriate for you and your circumstances, visit Gallina and Sons for a consultation. 

Which Is Better?

The answer to this question isn’t so cut and dry? Both coverage types are suitable for different kinds of people in different kinds of situations. If you want your car to be covered fully, then full coverage is probably the option for you. However, full coverage means a higher insurance cost than a liability. Liability may appeal to those who are on a budget or are just starting out and have their own car for the first time, but if you are hit by another driver who is deemed at fault and that driver has no insurance, you wouldn’t receive coverage from liability alone. 

Get Protected with Gallina and Sons

Our office serves the Pittsburgh, PA area, and you can contact us to find the right auto insurance coverage policy for you and your unique situation and lifestyle.