{"id":230289,"date":"2026-06-26T19:06:20","date_gmt":"2026-06-26T13:36:20","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=230289"},"modified":"2026-06-26T19:08:27","modified_gmt":"2026-06-26T13:38:27","slug":"full-coverage-vs-liability-car-insurance","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/full-coverage-vs-liability-car-insurance\/","title":{"rendered":"Full Coverage vs Liability Car Insurance: What\u2019s the Difference"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-is-car-insurance\">What Is Car Insurance?<\/a><\/li><li><a href=\"#what-is-liability-car-insurance\">What Is Liability Car Insurance?<\/a><ul><li><a href=\"#bodily-injury-liability\">Bodily Injury Liability<\/a><\/li><li><a href=\"#property-damage-liability\">Property Damage Liability<\/a><\/li><\/ul><\/li><li><a href=\"#what-does-liability-insurance-not-cover\">What Does Liability Insurance Not Cover?<\/a><\/li><li><a href=\"#what-is-full-coverage-car-insurance\">What Is Full Coverage Car Insurance?<\/a><\/li><li><a href=\"#what-is-collision-coverage\">What Is Collision Coverage?<\/a><\/li><li><a href=\"#what-is-comprehensive-coverage\">What Is Comprehensive Coverage?<\/a><\/li><li><a href=\"#liability-vs-full-coverage-key-differences\">Liability vs Full Coverage: Key Differences<\/a><\/li><li><a href=\"#why-liability-insurance-costs-less\">Why Liability Insurance Costs Less<\/a><\/li><li><a href=\"#why-full-coverage-costs-more\">Why Full Coverage Costs More<\/a><\/li><li><a href=\"#when-liability-insurance-may-make-sense\">When Liability Insurance May Make Sense<\/a><ul><li><a href=\"#older-vehicles\">Older Vehicles<\/a><\/li><li><a href=\"#budget-constraints\">Budget Constraints<\/a><\/li><li><a href=\"#minimal-vehicle-equity\">Minimal Vehicle Equity<\/a><\/li><li><a href=\"#replacement-affordability\">Replacement Affordability<\/a><\/li><\/ul><\/li><li><a href=\"#when-full-coverage-may-make-sense\">When Full Coverage May Make Sense<\/a><ul><li><a href=\"#newer-vehicles\">Newer Vehicles<\/a><\/li><li><a href=\"#financed-cars\">Financed Cars<\/a><\/li><li><a href=\"#leased-vehicles\">Leased Vehicles<\/a><\/li><li><a href=\"#high-replacement-costs\">High Replacement Costs<\/a><\/li><li><a href=\"#weather-risks\">Weather Risks<\/a><\/li><\/ul><\/li><li><a href=\"#how-deductibles-affect-full-coverage\">How Deductibles Affect Full Coverage<\/a><\/li><li><a href=\"#state-minimum-requirements-and-liability-coverage\">State Minimum Requirements and Liability Coverage<\/a><\/li><li><a href=\"#the-financial-risks-of-being-underinsured\">The Financial Risks of Being Underinsured<\/a><\/li><li><a href=\"#how-vehicle-age-impacts-coverage-decisions\">How Vehicle Age Impacts Coverage Decisions<\/a><\/li><li><a href=\"#how-driving-habits-affect-insurance-needs\">How Driving Habits Affect Insurance Needs<\/a><ul><li><a href=\"#liability-vs-full-coverage-at-a-glance\">Liability vs Full Coverage at a Glance<\/a><\/li><\/ul><\/li><li><a href=\"#how-lenders-view-full-coverage-on-financed-vehicles\">How Lenders View Full Coverage on Financed Vehicles<\/a><\/li><li><a href=\"#the-true-cost-of-driving-without-adequate-coverage\">The True Cost of Driving Without Adequate Coverage<\/a><\/li><li><a href=\"#how-comprehensive-coverage-protects-against-natural-disasters\">How Comprehensive Coverage Protects Against Natural Disasters<\/a><\/li><li><a href=\"#liability-limits-why-minimum-coverage-may-not-be-enough\">Liability Limits: Why Minimum Coverage May Not Be Enough<\/a><\/li><li><a href=\"#how-vehicle-depreciation-impacts-insurance-decisions\">How Vehicle Depreciation Impacts Insurance Decisions<\/a><ul><li><a href=\"#what-is-my-vehicle-worth-today\">What Is My Vehicle Worth Today?<\/a><\/li><li><a href=\"#how-much-am-i-paying-for-coverage\">How Much Am I Paying for Coverage?<\/a><\/li><li><a href=\"#what-would-it-cost-to-replace-the-vehicle\">What Would It Cost to Replace the Vehicle?<\/a><\/li><li><a href=\"#how-much-financial-risk-am-i-comfortable-assuming\">How Much Financial Risk Am I Comfortable Assuming?<\/a><\/li><\/ul><\/li><li><a href=\"#understanding-gap-insurance-and-when-it-matters\">Understanding Gap Insurance and When It Matters<\/a><\/li><li><a href=\"#how-insurance-needs-change-during-different-life-stages\">How Insurance Needs Change During Different Life Stages<\/a><ul><li><a href=\"#young-drivers\">Young Drivers<\/a><\/li><li><a href=\"#growing-families\">Growing Families<\/a><\/li><li><a href=\"#homeowners\">Homeowners<\/a><\/li><li><a href=\"#retirees\">Retirees<\/a><\/li><\/ul><\/li><li><a href=\"#questions-to-ask-before-choosing-liability-or-full-coverage\">Questions to Ask Before Choosing Liability or Full Coverage<\/a><\/li><li><a href=\"#how-beem-helps-drivers-save-on-insurance\">How Beem Helps Drivers Save on Insurance<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><li><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><li><a href=\"#faq-question-1782478092005\">1. What is the difference between liability and full coverage insurance?<\/a><\/li><li><a href=\"#faq-question-1782478095858\">2. Is full coverage required by law?<\/a><\/li><li><a href=\"#faq-question-1782478099938\">3. Does liability insurance cover my car?<\/a><\/li><li><a href=\"#faq-question-1782478115307\">4. Is full coverage worth it for an older car?<\/a><\/li><li><a href=\"#faq-question-1782478119450\">5. Why is full coverage more expensive?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Car insurance is one of the most important financial protections a driver can have. Yet many motorists are unsure about the difference between full coverage and liability insurance, leading to confusion when shopping for policies or filing claims.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right type of coverage can affect not only your monthly premiums but also your financial security after an accident. While liability insurance satisfies legal requirements in most states, full coverage provides broader protection for your own vehicle in addition to covering damage you may cause to others.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the distinctions between these two options can help you make a more informed decision based on your vehicle, budget, driving habits, and financial goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains how liability and full coverage insurance work, what each covers, who may benefit from each option, and how to determine which type of policy best fits your needs.<\/p>\n\n\n\n<h2 id=\"what-is-car-insurance\" class=\"wp-block-heading\">What Is Car Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Car insurance is a contract between you and an insurance company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In exchange for paying premiums, the insurer agrees to provide financial protection for certain covered losses that may occur while operating your vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the policy, coverage may help pay for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property damage<\/li>\n\n\n\n<li>Vehicle repairs<\/li>\n\n\n\n<li>Medical expenses<\/li>\n\n\n\n<li>Legal liability<\/li>\n\n\n\n<li>Theft<\/li>\n\n\n\n<li>Vandalism<\/li>\n\n\n\n<li>Weather-related damage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Different policy types offer different levels of protection, making it important to understand your options before selecting coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=233050&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Cheapest Full Coverage Car Insurance in 2026: Your Complete Guide<\/a><\/p>\n\n\n\n<h2 id=\"what-is-liability-car-insurance\" class=\"wp-block-heading\">What Is Liability Car Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Liability insurance is the most basic form of auto insurance required in most states.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its primary purpose is to protect other people if you cause an accident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re found responsible for a collision, liability coverage may help pay for:<\/p>\n\n\n\n<h3 id=\"bodily-injury-liability\" class=\"wp-block-heading\">Bodily Injury Liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This coverage helps pay for injuries sustained by other people involved in the accident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Expenses may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical bills<\/li>\n\n\n\n<li>Rehabilitation costs<\/li>\n\n\n\n<li>Lost wages<\/li>\n\n\n\n<li>Legal expenses<\/li>\n<\/ul>\n\n\n\n<h3 id=\"property-damage-liability\" class=\"wp-block-heading\">Property Damage Liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Property damage coverage helps pay for damage caused to another person&#8217;s vehicle or property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vehicle repairs<\/li>\n\n\n\n<li>Fence damage<\/li>\n\n\n\n<li>Building damage<\/li>\n\n\n\n<li>Roadside property repairs<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Liability insurance does not typically cover damage to your own vehicle.<\/p>\n\n\n\n<h2 id=\"what-does-liability-insurance-not-cover\" class=\"wp-block-heading\">What Does Liability Insurance Not Cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many drivers mistakenly assume liability insurance protects their own cars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In reality, liability coverage generally does not pay for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damage to your vehicle<\/li>\n\n\n\n<li>Theft<\/li>\n\n\n\n<li>Vandalism<\/li>\n\n\n\n<li>Weather-related damage<\/li>\n\n\n\n<li>Flood damage<\/li>\n\n\n\n<li>Fire damage<\/li>\n\n\n\n<li>Falling objects<\/li>\n\n\n\n<li>Animal collisions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If your vehicle is damaged and you&#8217;re at fault, liability insurance alone may leave you responsible for repair or replacement costs.<\/p>\n\n\n\n<h2 id=\"what-is-full-coverage-car-insurance\" class=\"wp-block-heading\">What Is Full Coverage Car Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the name, &#8220;full coverage&#8221; is not a specific insurance product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, it usually refers to a combination of coverages that provide broader protection than liability insurance alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A typical full coverage policy often includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Liability insurance<\/li>\n\n\n\n<li>Collision coverage<\/li>\n\n\n\n<li>Comprehensive coverage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Together, these coverages help protect both other parties and your own vehicle.<\/p>\n\n\n\n<h2 id=\"what-is-collision-coverage\" class=\"wp-block-heading\">What Is Collision Coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Collision coverage helps pay for damage to your own vehicle resulting from a collision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hitting another vehicle<\/li>\n\n\n\n<li>Striking a guardrail<\/li>\n\n\n\n<li>Backing into an object<\/li>\n\n\n\n<li>Single-car accidents<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Regardless of who caused the accident, collision coverage may help cover repair costs, subject to policy terms and deductibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=276988&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Full Coverage vs. State Minimum: Which Saves More Over Five Years<\/a><\/p>\n\n\n\n<h2 id=\"what-is-comprehensive-coverage\" class=\"wp-block-heading\">What Is Comprehensive Coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive coverage protects against many non-collision events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Theft<\/li>\n\n\n\n<li>Vandalism<\/li>\n\n\n\n<li>Fire<\/li>\n\n\n\n<li>Hail damage<\/li>\n\n\n\n<li>Flooding<\/li>\n\n\n\n<li>Falling trees<\/li>\n\n\n\n<li>Animal impacts<\/li>\n\n\n\n<li>Severe weather<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive insurance helps address risks that liability insurance does not cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For many drivers, this added protection provides valuable peace of mind.<\/p>\n\n\n\n<h2 id=\"liability-vs-full-coverage-key-differences\" class=\"wp-block-heading\">Liability vs Full Coverage: Key Differences<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the differences between these policy types is essential when comparing insurance options.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Liability Insurance<\/strong><\/td><td><strong>Full Coverage Insurance<\/strong><\/td><\/tr><tr><td>Covers Damage to Others<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Covers Your Vehicle<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>Covers Theft<\/td><td>No<\/td><td>Typically Yes<\/td><\/tr><tr><td>Covers Vandalism<\/td><td>No<\/td><td>Typically Yes<\/td><\/tr><tr><td>Covers Weather Damage<\/td><td>No<\/td><td>Typically Yes<\/td><\/tr><tr><td>Covers Collision Damage<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>Required by Most States<\/td><td>Yes<\/td><td>Usually No<\/td><\/tr><tr><td>Higher Premiums<\/td><td>Generally Lower<\/td><td>Generally Higher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The primary distinction is that full coverage protects your vehicle, while liability insurance protects others.<\/p>\n\n\n\n<h2 id=\"why-liability-insurance-costs-less\" class=\"wp-block-heading\">Why Liability Insurance Costs Less<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Liability insurance typically has lower premiums because it provides more limited protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since insurers are not responsible for repairing or replacing your vehicle under liability-only policies, their risk exposure is reduced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factors affecting liability premiums may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Driving history<\/li>\n\n\n\n<li>Location<\/li>\n\n\n\n<li>Age<\/li>\n\n\n\n<li>Vehicle type<\/li>\n\n\n\n<li>Coverage limits<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For drivers seeking minimum insurance costs, liability coverage may appear attractive. However, lower premiums also mean less protection.<\/p>\n\n\n\n<h2 id=\"why-full-coverage-costs-more\" class=\"wp-block-heading\">Why Full Coverage Costs More<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Full coverage generally costs more because it includes broader financial protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer may potentially pay for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vehicle repairs<\/li>\n\n\n\n<li>Theft claims<\/li>\n\n\n\n<li>Weather damage<\/li>\n\n\n\n<li>Collision losses<\/li>\n\n\n\n<li>Comprehensive claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because the insurance company assumes more risk, premiums are typically higher. Many drivers view the additional cost as worthwhile because it provides greater protection against unexpected financial losses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=229895&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Best Car Insurance For Full Coverage<\/a><\/p>\n\n\n\n<h2 id=\"when-liability-insurance-may-make-sense\" class=\"wp-block-heading\">When Liability Insurance May Make Sense<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Liability-only coverage may be appropriate in certain situations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<h3 id=\"older-vehicles\" class=\"wp-block-heading\">Older Vehicles<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your vehicle has a relatively low market value, repair costs may exceed the car&#8217;s worth.<\/p>\n\n\n\n<h3 id=\"budget-constraints\" class=\"wp-block-heading\">Budget Constraints<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some drivers prioritize lower monthly insurance costs.<\/p>\n\n\n\n<h3 id=\"minimal-vehicle-equity\" class=\"wp-block-heading\">Minimal Vehicle Equity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Owners of fully paid-off older vehicles may decide broader coverage is unnecessary.<\/p>\n\n\n\n<h3 id=\"replacement-affordability\" class=\"wp-block-heading\">Replacement Affordability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If replacing the vehicle would not create significant financial hardship, liability insurance may be sufficient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each situation should be evaluated individually.<\/p>\n\n\n\n<h2 id=\"when-full-coverage-may-make-sense\" class=\"wp-block-heading\">When Full Coverage May Make Sense<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Full coverage is often recommended when protecting your vehicle, as it remains financially important to you. Situations where full coverage may be beneficial include:<\/p>\n\n\n\n<h3 id=\"newer-vehicles\" class=\"wp-block-heading\">Newer Vehicles<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Newer vehicles generally have higher replacement values.<\/p>\n\n\n\n<h3 id=\"financed-cars\" class=\"wp-block-heading\">Financed Cars<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders often require full coverage until loans are paid off.<\/p>\n\n\n\n<h3 id=\"leased-vehicles\" class=\"wp-block-heading\">Leased Vehicles<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lease agreements commonly require comprehensive protection.<\/p>\n\n\n\n<h3 id=\"high-replacement-costs\" class=\"wp-block-heading\">High Replacement Costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If replacing your vehicle would create financial strain, broader coverage may be valuable.<\/p>\n\n\n\n<h3 id=\"weather-risks\" class=\"wp-block-heading\">Weather Risks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Areas prone to hail, flooding, storms, or theft may benefit from comprehensive protection.<\/p>\n\n\n\n<h2 id=\"how-deductibles-affect-full-coverage\" class=\"wp-block-heading\">How Deductibles Affect Full Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Full coverage policies often include deductibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A deductible is the amount you pay before insurance coverage begins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$500 deductible<\/li>\n\n\n\n<li>$1,000 deductible<\/li>\n\n\n\n<li>Other selected amounts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Generally:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher deductibles may lower premiums.<\/li>\n\n\n\n<li>Lower deductibles may increase premiums.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right deductible requires balancing monthly affordability with potential out-of-pocket costs after a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=208271&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Cheapest Car Insurance in Nevada in 2026<\/a><\/p>\n\n\n\n<h2 id=\"state-minimum-requirements-and-liability-coverage\" class=\"wp-block-heading\">State Minimum Requirements and Liability Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most states require drivers to carry minimum liability insurance. These requirements vary significantly by location.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">State minimums often specify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bodily injury limits<\/li>\n\n\n\n<li>Property damage limits<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">While minimum coverage satisfies legal requirements, some drivers choose higher limits for additional financial protection. Minimum coverage may not fully cover major accidents.<\/p>\n\n\n\n<h2 id=\"the-financial-risks-of-being-underinsured\" class=\"wp-block-heading\">The Financial Risks of Being Underinsured<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Car accidents can be expensive. If damages exceed your policy limits, you may become personally responsible for remaining costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potential expenses include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vehicle repairs<\/li>\n\n\n\n<li>Medical bills<\/li>\n\n\n\n<li>Legal judgments<\/li>\n\n\n\n<li>Property damage claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Adequate insurance coverage can reduce exposure to these financial risks. This is one reason many drivers choose coverage levels above state minimum requirements.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need-1024x576.webp\" alt=\"Full Coverage vs Liability Car Insurance: What\u2019s the Difference\" class=\"wp-image-277578\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need-1024x576.webp 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need-300x169.webp 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need-768x432.webp 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need-1536x864.webp 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2025\/09\/Car-Insurance-for-Rideshare-and-Delivery-Endorsements-You-Actually-Need.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 id=\"how-vehicle-age-impacts-coverage-decisions\" class=\"wp-block-heading\">How Vehicle Age Impacts Coverage Decisions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most important factors when choosing between liability and full coverage is vehicle value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Questions to consider include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is the vehicle worth?<\/li>\n\n\n\n<li>What would the replacement cost be?<\/li>\n\n\n\n<li>How much are annual premiums?<\/li>\n\n\n\n<li>What are the deductibles?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As vehicles age and depreciate, some owners reevaluate whether comprehensive and collision coverage continues to provide sufficient value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage decisions should evolve as vehicle values change.<\/p>\n\n\n\n<h2 id=\"how-driving-habits-affect-insurance-needs\" class=\"wp-block-heading\">How Driving Habits Affect Insurance Needs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Driving frequency and usage patterns may also influence coverage decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drivers who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Commute daily<\/li>\n\n\n\n<li>Drive long distances<\/li>\n\n\n\n<li>Travel frequently<\/li>\n\n\n\n<li>Park in high-risk areas<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">may face different risks than occasional drivers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evaluating how you use your vehicle can help determine the appropriate level of protection. <\/p>\n\n\n\n<h3 id=\"liability-vs-full-coverage-at-a-glance\" class=\"wp-block-heading\">Liability vs Full Coverage at a Glance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Liability Insurance<\/strong><\/td><td><strong>Full Coverage Insurance<\/strong><\/td><\/tr><tr><td>Meets Most State Requirements<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Protects Other Drivers<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Protects Your Vehicle<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>Covers Theft<\/td><td>No<\/td><td>Usually Yes<\/td><\/tr><tr><td>Covers Hail Damage<\/td><td>No<\/td><td>Usually Yes<\/td><\/tr><tr><td>Covers Vandalism<\/td><td>No<\/td><td>Usually Yes<\/td><\/tr><tr><td>Covers Animal Collisions<\/td><td>No<\/td><td>Usually Yes<\/td><\/tr><tr><td>Covers At-Fault Accidents<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>Typical Premium Cost<\/td><td>Lower<\/td><td>Higher<\/td><\/tr><tr><td>Best For<\/td><td>Older vehicles, lower budgets<\/td><td>Newer vehicles, greater protection<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"how-lenders-view-full-coverage-on-financed-vehicles\" class=\"wp-block-heading\">How Lenders View Full Coverage on Financed Vehicles<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you finance a vehicle, the lender has a financial interest in the car until the loan is fully repaid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because of this, many lenders require borrowers to maintain full coverage insurance throughout the life of the loan. The reasoning is simple: if the vehicle is damaged, stolen, or declared a total loss, the lender wants to ensure the asset securing the loan is protected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lender requirements often include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collision coverage<\/li>\n\n\n\n<li>Comprehensive coverage<\/li>\n\n\n\n<li>Specific deductible limits<\/li>\n\n\n\n<li>Continuous insurance verification<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Failing to maintain required coverage could result in lender-imposed insurance or other penalties, making it important to understand your financing agreement.<\/p>\n\n\n\n<h2 id=\"the-true-cost-of-driving-without-adequate-coverage\" class=\"wp-block-heading\">The True Cost of Driving Without Adequate Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many drivers focus exclusively on monthly premiums when choosing insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While saving money is important, it&#8217;s equally important to consider the potential financial consequences of insufficient coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, a major accident could result in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vehicle replacement costs<\/li>\n\n\n\n<li>Medical expenses<\/li>\n\n\n\n<li>Lost income<\/li>\n\n\n\n<li>Legal fees<\/li>\n\n\n\n<li>Property damage claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A lower premium may save money today, but inadequate protection could create substantial financial challenges after a serious incident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evaluating insurance based on both cost and risk can lead to more balanced decision-making.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=166338&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Is Car Insurance Tax Deductible? Everything You Need to Know in 2026<\/a><\/p>\n\n\n\n<h2 id=\"how-comprehensive-coverage-protects-against-natural-disasters\" class=\"wp-block-heading\">How Comprehensive Coverage Protects Against Natural Disasters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Weather-related vehicle damage has become increasingly common in many parts of the United States.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Events such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hailstorms<\/li>\n\n\n\n<li>Hurricanes<\/li>\n\n\n\n<li>Flooding<\/li>\n\n\n\n<li>Tornadoes<\/li>\n\n\n\n<li>Wildfires<\/li>\n\n\n\n<li>Falling trees<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">can result in expensive vehicle repairs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Liability insurance generally does not cover these types of losses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comprehensive coverage is designed to help protect against many non-collision events, making it particularly valuable for drivers living in regions prone to severe weather conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding local environmental risks can help determine whether comprehensive coverage is worth the additional premium.<\/p>\n\n\n\n<h2 id=\"liability-limits-why-minimum-coverage-may-not-be-enough\" class=\"wp-block-heading\">Liability Limits: Why Minimum Coverage May Not Be Enough<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">State minimum insurance requirements are designed to establish a baseline level of protection. However, minimum limits may not fully cover the costs associated with a major accident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider a scenario involving:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multiple injured parties<\/li>\n\n\n\n<li>Expensive vehicle repairs<\/li>\n\n\n\n<li>Significant property damage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If damages exceed your policy limits, you may be responsible for the remaining costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, many financial professionals recommend evaluating coverage needs based on personal assets, income, and potential liability exposure rather than relying solely on state minimum requirements.<\/p>\n\n\n\n<h2 id=\"how-vehicle-depreciation-impacts-insurance-decisions\" class=\"wp-block-heading\">How Vehicle Depreciation Impacts Insurance Decisions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every vehicle loses value over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As depreciation reduces a car&#8217;s market value, the cost-benefit relationship of full coverage may change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Questions worth asking include:<\/p>\n\n\n\n<h3 id=\"what-is-my-vehicle-worth-today\" class=\"wp-block-heading\">What Is My Vehicle Worth Today?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Current market value can help guide insurance decisions.<\/p>\n\n\n\n<h3 id=\"how-much-am-i-paying-for-coverage\" class=\"wp-block-heading\">How Much Am I Paying for Coverage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Compare annual premiums to vehicle value.<\/p>\n\n\n\n<h3 id=\"what-would-it-cost-to-replace-the-vehicle\" class=\"wp-block-heading\">What Would It Cost to Replace the Vehicle?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Replacement affordability plays an important role.<\/p>\n\n\n\n<h3 id=\"how-much-financial-risk-am-i-comfortable-assuming\" class=\"wp-block-heading\">How Much Financial Risk Am I Comfortable Assuming?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage decisions often involve balancing protection against affordability. Reviewing these factors periodically can help ensure your insurance remains aligned with your circumstances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=202093&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Does Your Car Insurance Address Have to Match Your License?<\/a><\/p>\n\n\n\n<h2 id=\"understanding-gap-insurance-and-when-it-matters\" class=\"wp-block-heading\">Understanding Gap Insurance and When It Matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gap insurance is another coverage option that frequently comes up when discussing financed vehicles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gap insurance may help cover the difference between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The vehicle&#8217;s actual cash value<\/li>\n\n\n\n<li>The remaining loan balance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This coverage can become important because new vehicles often depreciate quickly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a financed vehicle is declared a total loss, standard insurance may pay only the vehicle&#8217;s market value, which could be lower than the amount still owed on the loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For some drivers, gap insurance provides additional peace of mind during the early years of ownership.<\/p>\n\n\n\n<h2 id=\"how-insurance-needs-change-during-different-life-stages\" class=\"wp-block-heading\">How Insurance Needs Change During Different Life Stages<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance decisions are rarely permanent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As your financial situation changes, your coverage needs may evolve as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples include:<\/p>\n\n\n\n<h3 id=\"young-drivers\" class=\"wp-block-heading\">Young Drivers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">May prioritize affordability and basic protection.<\/p>\n\n\n\n<h3 id=\"growing-families\" class=\"wp-block-heading\">Growing Families<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Often seek broader coverage and higher liability limits.<\/p>\n\n\n\n<h3 id=\"homeowners\" class=\"wp-block-heading\">Homeowners<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">May want additional asset protection through stronger liability coverage.<\/p>\n\n\n\n<h3 id=\"retirees\" class=\"wp-block-heading\">Retirees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">May drive less frequently and reassess insurance needs accordingly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reviewing coverage during major life transitions can help ensure your policy continues meeting your needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=133872&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Does Car Insurance Cost? A Comprehensive Guide for 2026<\/a><\/p>\n\n\n\n<h2 id=\"questions-to-ask-before-choosing-liability-or-full-coverage\" class=\"wp-block-heading\">Questions to Ask Before Choosing Liability or Full Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before selecting a policy, consider asking yourself several important questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Could I comfortably replace my vehicle if it were totaled tomorrow?<\/li>\n\n\n\n<li>How much savings do I have available for unexpected repairs?<\/li>\n\n\n\n<li>Is my vehicle financed or leased?<\/li>\n\n\n\n<li>What risks are common in my area?<\/li>\n\n\n\n<li>How often do I drive?<\/li>\n\n\n\n<li>What level of financial protection would help me feel secure?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, the right decision depends on you.<\/p>\n\n\n\n<h2 id=\"how-beem-helps-drivers-save-on-insurance\" class=\"wp-block-heading\">How Beem Helps Drivers Save on Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Shopping for insurance can be time-consuming and confusing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beem&#8217;s Car Insurance Marketplace helps users compare coverage options from multiple providers, making it easier to identify policies that fit both their protection needs and budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparing quotes can help drivers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Find competitive rates<\/li>\n\n\n\n<li>Evaluate coverage levels<\/li>\n\n\n\n<li>Explore available discounts<\/li>\n\n\n\n<li>Make more informed insurance decisions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond insurance, <a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s Smart Wallet<\/a> helps users manage recurring expenses and track financial obligations more effectively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For unexpected financial challenges, <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s Everdraft\u2122<\/a> provides eligible users with access to up to $1,000 in instant cash without interest charges or credit checks, offering an additional financial safety net in emergencies. <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app here<\/a>.\u00a0\u00a0<\/p>\n\n\n\n<h2 id=\"conclusion\" class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The choice between full coverage and liability insurance ultimately depends on your vehicle, financial situation, risk tolerance, and coverage needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Liability insurance provides essential protection for damages you cause to others and typically satisfies legal requirements. Full coverage goes further by helping protect your own vehicle from accidents, theft, weather damage, and other covered events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While full coverage generally costs more, it may provide valuable financial protection for newer vehicles, financed cars, leased vehicles, and drivers seeking broader peace of mind.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By understanding the differences and evaluating your specific circumstances, you can choose a policy that balances affordability with the level of protection you need.<\/p>\n\n\n\n<h2 id=\"frequently-asked-questions\" class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1782478092005\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">1. What is the difference between liability and full coverage insurance?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Liability insurance helps pay for injuries and property damage you cause to others, while full coverage typically includes liability, collision, and comprehensive coverage that also protects your vehicle.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782478095858\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">2. Is full coverage required by law?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Generally, no. Most states require liability insurance, but full coverage is often optional unless required by a lender or lease agreement.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782478099938\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">3. Does liability insurance cover my car?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Typically, no. Liability insurance generally covers damage you cause to others, not damage to your own vehicle.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782478115307\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">4. Is full coverage worth it for an older car?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>It depends on the vehicle&#8217;s value, replacement cost, premium expenses, and your financial situation. Many drivers reassess coverage as vehicles age.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782478119450\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">5. Why is full coverage more expensive?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Full coverage includes additional protections, such as collision and comprehensive coverage, which increase the insurer&#8217;s potential financial responsibility and, therefore, the premium cost.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance is one of the most important financial protections a driver can have. Yet many motorists are unsure about the difference between full coverage and liability insurance, leading to confusion when shopping for policies or filing claims. Choosing the right type of coverage can affect not only your monthly premiums but also your financial [&hellip;]<\/p>\n","protected":false},"author":78,"featured_media":229866,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2315],"tags":[3279,2175,8560,8559,2207],"edited-by":[],"class_list":["post-230289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-auto-insurance","tag-car-insurance","tag-full-coverage-insurace","tag-full-coverage-vs-liability-car-insurance","tag-liability-car-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/230289","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/78"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=230289"}],"version-history":[{"count":1,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/230289\/revisions"}],"predecessor-version":[{"id":300217,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/230289\/revisions\/300217"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/229866"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=230289"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=230289"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=230289"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=230289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}