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Full coverage insurance is not mandatory in most states, unlike basic liability insurance, which is typically required by law. However, while it’s not a legal requirement, opting for full coverage can be a smart choice for added protection and peace of mind.

  • Basic liability insurance – This is the minimum coverage required by law in many states. It covers injuries and damages you cause to others in an accident. While it meets legal obligations, it doesn’t cover your vehicle’s damages.
  • Full coverage insurance – While not mandated, full coverage is a comprehensive option. It includes collision, comprehensive, liability, uninsured motorist, and medical payments coverage. This more comprehensive scope safeguards you against various scenarios beyond accidents, such as theft, natural disasters, and medical expenses.

Consider your situation

Whether to choose full coverage depends on your circumstances. If you have a financed or leased car, your lender might require it. If your vehicle holds significant value, full coverage helps protect your investment. Moreover, full coverage could be a wise investment if you can’t afford significant repairs or a new car after an accident.


While full coverage insurance isn’t obligatory, it offers extensive protection. Evaluate your needs, financial situation, and the value of your vehicle to determine whether full coverage is the right choice for you. It goes beyond legal requirements, providing a safety net that can prove invaluable in challenging times.