Leo is on his own for his sedan. Since he doesn't have Collision coverage, his insurance won't pay a dime for his totaled car. He has to take the bus to work the next day and start saving from scratch for a new vehicle. 2. Sarah’s Experience (Full Coverage)
drives a newer SUV she’s still financing. Because her bank requires it (and she wants peace of mind), she has Full Coverage , which includes Collision and Comprehensive insurance. The Incident car insurance full coverage vs. liability
Leo’s insurance company steps in, but only for the other person. Leo is on his own for his sedan
is "protection for your wallet against others ." It stops you from being sued into bankruptcy for a mistake, but it leaves your own car vulnerable. she has Full Coverage