is "protection for your asset ." It ensures that no matter who is at fault—or if a "act of God" occurs—you aren't left walking.
Because she has Collision coverage, her insurance pays the "Actual Cash Value" of her SUV, minus her deductible. If she has Rental Reimbursement, they also provide a temporary car while she shops for a replacement. car insurance full coverage vs. liability
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) is "protection for your asset
His Liability insurance pays for the damage to the car he hit and the medical bills for that driver. Leo is on his own for his sedan