Liability is the bare minimum coverage needed to cover injuries, while full coverage protects your vehicle if it was in a collision or stolen.

Liability coverage pays out when you injure someone else or someone injures you and that person doesn’t have insurance. It’s also mandated you have this coverage through your state DMV for all registered vehicles.

Full coverage combines comprehensive and collision coverage on your vehicle. Comprehensive covers things that aren’t a collision, such as flooding, theft, or fire. Collision covers your car in the event of a collision with another car or object. So without full coverage, you don’t have any actual coverage to repair or replace your vehicle.