{"id":2547,"date":"2023-03-09T08:58:07","date_gmt":"2023-03-09T14:58:07","guid":{"rendered":"https:\/\/blogs.und.edu\/ndlaw\/?p=2547"},"modified":"2023-03-09T08:59:28","modified_gmt":"2023-03-09T14:59:28","slug":"liability-vs-full-coverage-professor-paul-traynor-shares-expert-opinion","status":"publish","type":"post","link":"https:\/\/blogs.und.edu\/ndlaw\/2023\/03\/liability-vs-full-coverage-professor-paul-traynor-shares-expert-opinion\/","title":{"rendered":"Liability vs. Full Coverage: Professor Paul Traynor shares expert opinion"},"content":{"rendered":"<h2>Learn more about the differences between liability and full coverage car insurance<\/h2>\n<p><a href=\"https:\/\/wallethub.com\/\">WalletHub<\/a><\/p>\n<p><a class=\"edu-ah-author-name\" href=\"https:\/\/wallethub.com\/profile\/66756380i\" rel=\"author\">Candace Baker<\/a>,\u00a0Car Insurance Writer<span class=\"edu-art-date\">Mar 1, 2023<\/span><\/p>\n<h4 class=\"big\">What&#8217;s the Difference Between Liability and Full Coverage?<\/h4>\n<p>The difference between liability and full coverage is that liability will cover damage to other vehicles or injuries to other people from accidents you cause, while full coverage also covers your own vehicle. Liability insurance is required in most states, while full coverage is only required if you lease or finance a car.<\/p>\n<h4 class=\"small\">Key Things to Know About Liability vs. Full Coverage Car Insurance<\/h4>\n<ul>\n<li><a href=\"https:\/\/wallethub.com\/edu\/ci\/full-coverage-car-insurance\/10505\">Full coverage car insurance<\/a>\u00a0costs an average of\u00a0$4,211 per year.<\/li>\n<li>Liability car insurance costs an average of\u00a0$1,407 per year.<\/li>\n<li>Full coverage includes collision and comprehensive insurance, while liability coverage does not.<\/li>\n<li>With liability-only insurance, you\u2019ll be on the hook for your own expenses after an accident.<\/li>\n<li>You should purchase full coverage insurance if you can afford it.<\/li>\n<\/ul>\n<h4 data-name=\"part-1\">Liability Insurance vs. Full Coverage: Key Differences<\/h4>\n<div class=\"cardhub-edu-table-div\">\n<div class=\"table scrollbox\"><table class=\"cardhub-edu-table left-aligned\">\n<thead>\n<tr>\n<th><strong>Category<\/strong><\/th>\n<th><strong>Liability<\/strong><\/th>\n<th><strong>Full Coverage<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>What It Includes<\/strong><\/td>\n<td><a href=\"https:\/\/wallethub.com\/edu\/ci\/property-damage-liability\/8775\">Property damage liability<\/a><\/p>\n<p><a href=\"https:\/\/wallethub.com\/edu\/ci\/bodily-injury-liability\/8607\">Bodily injury liability<\/a><\/td>\n<td>Collision<\/p>\n<p>Comprehensive<\/p>\n<p>Property damage liability<\/p>\n<p>Bodily injury liability<\/td>\n<\/tr>\n<tr>\n<td><strong>Is It Required?<\/strong><\/td>\n<td>Yes, by law in nearly every state<\/td>\n<td>Yes, if you are leasing or financing your car<\/td>\n<\/tr>\n<tr>\n<td><strong>Average Annual Cost<\/strong><\/td>\n<td>$1,407 per year<\/td>\n<td>$4,211 per year<\/td>\n<\/tr>\n<tr>\n<td><strong>Uses Deductible?<\/strong><\/td>\n<td>No<\/td>\n<td>Yes<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n<p>The average annual cost of liability insurance reflects the cost of state-minimum coverage nationwide. The cost of full coverage includes collision and comprehensive insurance, as well as\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/uninsured-motorist-coverage\/9647\">uninsured\/underinsured motorist<\/a> coverage.<\/p>\n<h4 class=\"big\" data-name=\"part-5\">Liability vs. Full Coverage Cost by Company<\/h4>\n<p>Liability insurance is 67% cheaper than full coverage insurance, on average. The exact cost difference between liability and full coverage car insurance for a given driver depends on several\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/factors-that-affect-car-insurance-rates\/69302\">factors<\/a>, including the driver\u2019s insurance company.<\/p>\n<div class=\"cardhub-edu-table-div\">\n<div class=\"table scrollbox\"><table class=\"cardhub-edu-table left-aligned\">\n<thead>\n<tr>\n<th><strong>Company<\/strong><\/th>\n<th><strong>Minimum Coverage<\/strong><\/th>\n<th><strong>Full Coverage<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/geico-13014474i\">Geico<\/a><\/td>\n<td>$796 per year<\/td>\n<td>$2,886 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/usaa-insurance-13303847i\">USAA<\/a><\/td>\n<td>$807 per year<\/td>\n<td>$2,802 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/travelers-insurance-13303756i\">Travelers<\/a><\/td>\n<td>$893 per year<\/td>\n<td>$3,518 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/grange-insurance-13014603i\">Grange<\/a><\/td>\n<td>$976 per year<\/td>\n<td>$4,253 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/mercury-insurance-13013247i\">Mercury<\/a><\/td>\n<td>$1,032 per year<\/td>\n<td>$3,365 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/progressive-insurance-13015814i\">Progressive<\/a><\/td>\n<td>$1,033 per year<\/td>\n<td>$4,041 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/statefarm-13017237i\">State Farm<\/a><\/td>\n<td>$1,032 per year<\/td>\n<td>$3,514 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/auto-owners-insurance-13013035i\">Auto-Owners<\/a><\/td>\n<td>$1,108 per year<\/td>\n<td>$2,865 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/esurance-13014027i\">Esurance<\/a><\/td>\n<td>$1,218 per year<\/td>\n<td>$3,166 per year<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/wallethub.com\/profile\/ci\/aaa-insurance-13012407i\">AAA<\/a><\/td>\n<td>$979 per year<\/td>\n<td>$5,509 per year<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n<p>Data provided by Quadrant Information Services. Rates reflect average costs in California<\/p>\n<h4 data-name=\"part-2\">What Is Liability Insurance?<\/h4>\n<p><a href=\"https:\/\/wallethub.com\/edu\/ci\/liability-car-insurance\/7300\">Liability insurance<\/a>\u00a0is a type of coverage that pays for\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/bodily-injury-liability\/8607\">injuries<\/a>\u00a0and\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/property-damage-liability\/8775\">property damage<\/a>\u00a0sustained by other people and their property in accidents that you cause. Nearly every state requires drivers to carry liability insurance, and in many states, liability insurance is the only type of car insurance that you need to have.<\/p>\n<p>Keep in mind that liability insurance will never pay for your own expenses after a car accident, so if you want your own medical bills and repair costs to be covered, you will need to get additional coverage.<\/p>\n<p>Learn more about\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/liability-car-insurance\/7300\">liability insurance<\/a>.<\/p>\n<h4 data-name=\"part-3\">What Is Full Coverage Insurance?<\/h4>\n<p><a href=\"https:\/\/wallethub.com\/edu\/ci\/full-coverage-car-insurance\/10505\">Full coverage<\/a>\u00a0is a policy that includes\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/collision-insurance\/7292\">collision<\/a>\u00a0and\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/comprehensive-insurance\/97768\">comprehensive<\/a>\u00a0coverage in addition to a state\u2019s minimum car insurance requirements. Unlike liability insurance, full coverage covers the policyholder\u2019s own expenses, even in accidents where they are at fault.<\/p>\n<p>Collision insurance is coverage that pays to repair or replace your car after any accident. Comprehensive insurance, on the other hand, covers repair expenses when your car is damaged by something other than an accident, such as vandalism or a natural disaster. Neither type of insurance is required by state law, but you usually have to get both if your car is leased or financed.<\/p>\n<p>Full coverage can also include other types of insurance, such as\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/pip-insurance\/9248\">personal injury protection<\/a>,\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/med-pay\/9255\">medical payments coverage<\/a>, and\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/uninsured-motorist-coverage\/9647\">uninsured\/underinsured motorist insurance<\/a>. Some states require drivers to have these types of insurance anyway, but they may be optional in other states.<\/p>\n<p>Learn more about\u00a0<a href=\"https:\/\/wallethub.com\/edu\/ci\/full-coverage-car-insurance\/10505\">full coverage insurance<\/a>.<\/p>\n<h4 data-name=\"part-4\">Do You Need Liability Insurance or Full Coverage?<\/h4>\n<p>You should always get full coverage insurance if you can afford it. No matter how good of a driver you might be, your vehicle is likely going to get damaged in some way or another. Having full coverage insurance will provide a wide financial safety net that will alleviate some of the burden that comes with handling car issues.<\/p>\n<p>When deciding whether or not to purchase\u00a0<a href=\"https:\/\/wallethub.com\/answers\/ci\/liability-only-insurance-2140726546\/\">liability-only insurance<\/a>, you need to consider your state\u2019s laws, the value of your car, and your financial situation. A general rule of thumb is that you can\u00a0<a href=\"https:\/\/wallethub.com\/answers\/ci\/when-should-you-drop-full-coverage-on-your-car-2140692693\/\">consider dropping full coverage<\/a>\u00a0insurance if the cost is more than 10% of your car\u2019s value. However, you should not drop collision and comprehensive coverage if you cannot afford to pay out of pocket to repair or replace your car when it\u2019s unexpectedly damaged.<\/p>\n<p>Learn more about whether you need\u00a0<a href=\"https:\/\/wallethub.com\/answers\/ci\/full-coverage-or-liability-2140728233\/\">liability insurance or full coverage<\/a>.<\/p>\n<h4 class=\"big\">Ask the Experts<\/h4>\n<p>To gain more insight about liability vs. full coverage insurance, WalletHub posed the following questions to a panel of experts. Click on the experts below to view their bios and answers.<\/p>\n<p>1. What is the biggest advantage of liability insurance over full coverage?<br \/>\n2. What is the biggest advantage of full coverage over liability insurance?<br \/>\n3. What types of drivers do you think should consider liability-only car insurance?<br \/>\n4. Should people always get full coverage if they can afford it?<\/p>\n<div>\n<div id=\"experts-gallery\" data-expert-sect=\"0\">\n<section class=\"experts-gallery expert-single\">\n<div class=\"container\">\n<div class=\"gallery\">\n<article class=\"text-select expert-profile ng-enter-element slide\"><img loading=\"lazy\" decoding=\"async\" class=\"profile-img\" src=\"https:\/\/cdn.wallethub.com\/wallethub\/posts\/120578\/paul-e.-traynor-.jpg\" alt=\"\" width=\"200\" height=\"200\" \/><\/p>\n<h3>Paul E. Traynor<\/h3>\n<p><i>Assistant Professor of Law, School of Law, University of North Dakota<\/i><\/p>\n<div class=\"description-text\">\n<p><strong>What is the biggest advantage of Full Coverage over Liability Insurance?<\/strong><\/p>\n<p>First, there is no such thing as \u201cfull coverage.\u201d People who say that they have full insurance coverage do not know what they are talking about. All insurance has limits on what it will cover, under what circumstances they will cover it, and what the coverage limits are regarding the amount of coverage. Liability coverage addresses tort liability a person may cause as a result of their own negligence. The two components of liability insurance are whether the insurer must defend a person for their negligence and whether the insurer must indemnify (pay on behalf of a person\u2019s negligence). Liability coverage is a required insurance coverage to operate a motor vehicle under each state\u2019s driver responsibility laws, but it also applies to homeowners\u2019 insurance and commercial general liability insurance as well as other types of insurance. A licensed insurance agent can assist a person in ensuring that they have appropriate liability coverage.<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn more about the differences between liability and full coverage car insurance WalletHub Candace Baker,\u00a0Car Insurance WriterMar 1, 2023 What&#8217;s the Difference Between Liability and Full Coverage? The difference between liability and full coverage is that liability will cover damage to other vehicles or injuries to other people from accidents you cause, while full coverage [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":1956,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[504],"tags":[891,1038,802],"class_list":["post-2547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faculty","tag-expert","tag-insurance","tag-paul-traynor"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Liability vs. Full Coverage: Professor Paul Traynor shares expert opinion - North Dakota Law<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.und.edu\/ndlaw\/2023\/03\/liability-vs-full-coverage-professor-paul-traynor-shares-expert-opinion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Liability vs. Full Coverage: Professor Paul Traynor shares expert opinion - North Dakota Law\" \/>\n<meta property=\"og:description\" content=\"Learn more about the differences between liability and full coverage car insurance WalletHub Candace Baker,\u00a0Car Insurance WriterMar 1, 2023 What&#8217;s the Difference Between Liability and Full Coverage? 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