p>Shopping for car insurance brings you to a crossroads: full coverage auto insurance or liability-only auto insurance? Understanding the distinction between these options helps you make a well-informed decision when selecting a policy. At JC Demo Insurance Group, servicing Matthews, NC, we’re here to help. We support consumers in choosing the right auto insurance policy for their needs.

What Is Full Coverage Auto Insurance?

The term "Full coverage auto insurance" encompasses a variety of auto insurance policies, including liability, collision, and comprehensive policies. Full coverage auto insurance secures repairing or replacing your vehicle damaged in a collision, even if you’re at fault.

Moreover, full coverage auto insurance reimburses your loss if your vehicle is stolen or damaged through vandalism, fire, etc. It generally includes roadside assistance, which can support towing your vehicle if it breaks down.

What Is Liability Only Auto Insurance?

Liability-only auto insurance covers repairs only for the other driver’s vehicle, assuming you are at fault in an auto accident. It will not bear the repair costs for your own vehicle.

Who Needs Full Coverage Auto Insurance?

Typically, individuals seeking full coverage auto insurance are new vehicle owners. Many lenders mandate borrowers with a car loan to maintain full coverage auto insurance. In addition, owners of high-value vehicles generally prefer full coverage insurance to safeguard their investments against unforeseen challenges. At JC Demo Insurance Group, servicing Matthews, NC, we’re here to help. Reach out today to learn more about procuring full coverage auto insurance.