When you're shopping for car insurance quotes, you'll find there are many options available. You are required by state law to purchase a certain amount of liability coverage; however, you can also include various types of optional coverage, including collision and comprehensive. Together, the combination of insurance is known as full coverage. Below is a description of each and an explanation of how they differ.

What Is Liability Insurance?

Liability coverage pays for losses you cause to other people. For instance, in Ohio, you must buy bodily injury liability protection with a limit of at least $25,000 per injured person, to a per-accident maximum of $50,000. This pays for medical treatments for people injured in a collision deemed your fault. You must also have $25,000 of property damage protection to reimburse other motorists for damage to their car, personal property, etc. Liability coverage does not protect you, your car, or your passengers, which is why many drivers request additional protection in their car insurance quotes.

What Is Full Coverage?

"Full coverage" is an informal term for the combination of coverage types required to protect your car and passengers. Full car insurance quotes normally include comprehensive and collision coverage, and it may also include medical payments coverage. Collision pays for damages to your vehicle in an accident determined to be your fault. Comprehensive policies cover non-collision losses like fires, floods, vandalism, and theft. Medical payment coverage pays for doctor and hospital care required by you or your passengers after a collision. Sometimes, full coverage also includes uninsured/underinsured motorist coverage, which pays for damages caused by an at-fault driver whose insurance is either nonexistent or inadequate to pay for all of your damages. It keeps you from paying out-of-pocket when the accident was not your fault.

To design an affordable car insurance policy that meets your family’s needs, contact 1st Choice Insurance in Fairfield, OH. They are family-owned and -operated and have been insuring high-risk drivers throughout the Greater Cincinnati area for more than 30 years. They specialize in low-cost SR-22s and high-risk insurance coverage to help drivers get back on the road legally. Visit their website to learn more about their coverage options, and call (513) 860-0666 to request a car insurance quote.