Many of us only get liability coverage on our car insurance because it will save us costs in monthly payments. The problem is, if you get into a car accident, you will realize it was worth it to pay a little extra for full coverage. Sometimes determining liability for the accident takes much longer than we have anticipated. In the event that your car is totaled in an accident, without full coverage, you will have no car and no compensation from the insurance company to buy another car. Oh, and you also do not get a rental car until liability is determined. Getting full coverage is essential and gives you peace of mind.