One of the biggest choices drivers have to make is between “full coverage” and “Limited Liability” insurance. The differences between these two types of insurance are pretty stark and can have a major impact on premiums, what’s covered, and more.

If you have any questions, feel free to reach out to RH Worthington Group, which serves Milford, PA and many other communities.

Let’s dig into the details of both full coverage and limited liability:

Limited Liability Insurance Outlined

Some drivers choose to take out limited liability insurance. In many cases, the insurance premiums for limited liability insurance are cheaper than full coverage from the same company. That said, it’s important for policyholders to read the fine print of individual insurance policies closely.

As the name implies, limited liability insurance only covers certain things. Often, a limited liability plan will not cover damage to the policy owner’s car. Instead, if the driver gets in an accident, he or she may have to cover the damages out of pocket. The driver may also not be covered in the event of weather damage or theft.

Limited liability insurance will often cover damage to other cars caused by the policy owner. This ensures that other motorists will be compensated should they be injured in an accident that wasn’t their fault. Coverage for other parties often includes medical bills and related costs, but once again, each plan should be examined closely.

Full Coverage Insurance Explained

Full coverage insurance, also known as comprehensive insurance, provides expanded coverage. The specifics of the coverage can vary, but some comprehensive insurance plans will cover theft, weather damage, and damage to the policyholder’s car, even if the holder caused the accident.

Give Us A Call Today

If you’re exploring insurance options, contact RH Worthington Group, serving Milford, PA and surrounding areas.