Do I get full coverage or just liability? Let's preface this answer with there is no such thing as "full coverage insurance." (More on this in the next question.) Liability will cover the damage done to another vehicle, but if there is anything wrong with your car, you are responsible for the cost. There are other coverages like uninsured/ under-insured motorists that apply to specific situations. With uninsured motorist coverage, if another driver is at fault and does not have high enough limits of liability to replace your asset, you can have the assurance that your asset will be fixed or replaced up to its current value by your own insurance provider. As the driver, you have the option to purchase either the minimum legal coverage, or coverage that will fully replace the value of your asset. While the minimum legal liability can be a great option for some people, if you wish for your assets to be adequately protected, we recommend meeting with you and to discuss all of your options.