What is the REAL difference between Full coverage and liability?
I had some guy hit my car and then drove off,he was arrested for hit and run and I had to pay 500$ deductable but they said I could get it back cuz they had insurance but NOTHING yet.And it has been a month.What would I have had to pay if I only had liabilty?The same amount?If so I will cancle full coverage and just go to liabilty.
Liability is just that--it covers your legal liability for injury and/or property damage in an at-fault accident. Full coverage includes liability along with damage to your vehicle by collision or fire/theft/vandalism, etc. If you'd had only liability, you'd have had to bite off the entire bill.
It may take several months for the insurance mill to grind through your claim. Just be glad you had the coverage.
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