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It's no secret that many families are tightening their belts, evaluating all the little things and deciding which things in their lives are truly necessary and what can be compromised. Some even consider forgoing their reliable comprehensive car insurance for a less expensive liability plan. However, dropping comprehensive insurance coverage should not be on the list of potential cutbacks as liability insurance simply does not provide adequate coverage for families or their vehicles.

Liability car insurance may be cheaper in the short run, but it leaves a lot up to chance, and in an unpredictable world, it is not the wisest choice. In fact, the policyholder has very little coverage when it comes to their own vehicle and medical expenses in the event of an accident. For the most part, liability insurance is meant to protect the other guy, not the policyholder.

Car accidents are called accidents for a reason. They aren't planned. They are also not the only situations where people need coverage. Natural disasters are becoming more common all over the world. Fires can break out almost anywhere, and a simple hail storm can leave damage to a vehicle that can cost thousands to repair.

Comprehensive car insurance covers much more. With comprehensive insurance coverage, policyholders will be ready for just about anything. Third party vandalism, fire, theft, accidental or irreparable damage, glass replacement, personal property and even many medical expenses are all situations that are covered under comprehensive car insurance. There's really nothing on this list that couldn't conceivably happen to any policy holder.

There are a lot of people out there that do accept carrying liability on car insurance is selling themselves and their family far too short, however they fail to take the leap and allow their families the full coverage they deserve. Instead, they resort to what they consider to be the next best thing – collision insurance.

While collision insurance is certainly better than liability, there are still many holes where many potential scenario does not cover a policy holder. In fact, it really doesn't offer much more protection than a liability policy. Repair costs resulting from an accident are normally covered. Severe damage deemed irreparable usually yields compensation equal to the market value of the vehicle. However, as already established there are so many more scenarios where even collision insurance will leave families high and dry.

When someone buys auto insurance for their vehicle, they really need to establish protection for themselves and their family, as well as their car. Comprehensive car insurance is really the only option that truly accomplishes this goal to the extent that families deserve.