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Old 06-25-2020, 03:47 PM #31
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Originally Posted by willistrong View Post
Hi all! I have full coverage insurance on my car because I don't afford the liability insurance, but the question that bothers me is, what I get if somehow one day I crash it? It's stupid to think I would get a full return, but after all, I don't want to end up with anything.
Not sure if I fully understand your question/comment.

Full coverage (comprehensive) generally cost more than liability only insurance.

If you were to crash your car, and it is covered, "full return" means current fair market value of your car.

If you have liability only and were not at fault, I would presume the other party would be responsible for covering you. I think your insurance only kicks in if it was an uninsured motorist.

Hopefully someone else can correct me if I am wrong.
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Old 08-03-2020, 06:34 PM #32
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