A short instructional YouTube video (by Hunter Nelson) explaining the difference between auto liability insurance and physical damage (often called "full coverage"). Liability covers harm to third parties you cause (bodily injury or property damage) when you are at fault; physical damage/full coverage covers damage to your own vehicle (the speaker uses "your truck" as an example).
So your auto liability is going to be liability, which means it covers a third party. It's not covering you, it's covered somebody else that you get into an accident with and cause either bodily injury. So you get into an accident, send somebody to the hospital, or property damage, and you smoke a building or you smoke a truck or another automobile, whatever the case is. Now you got to pay them out, right? That is if you're at fault. So. So if you're negligent, auto liability pay for that physical damage is your quote, unquote, full coverage. That's covering. Now your truck, it's your truck itself.
