Just out of curiosity, what do you guys who are saying you have "full coverage" mean? The term really doesn't exist in the insurance world, as there is a limitless amount of liability coverage you can have. It's like saying your bank account is "full".
Not trying to knock anyone at all... I thought I had great insurance before I started my job, then got enough information to realize that it was totally inadequate. Just doing what I can to make sure everyone is fully informed... with the atmosphere of increasing lawsuits these days you can never be too safe, and many brokers/agents will use deceptive terms like "full coverage" to sell you something that gives you NO protection if you injure someone.
In Michigan, all car insurance covers other peoples medical bills, it is required by law.
When you get minimum madatory coverage here, the insurance company pays for other peoples injuries but they will not pay for any damages to your car. It still costs quite a bit IMO. Insurance is a huge scam, if I had all the money that I have been paying to insurance companies since I was 16 going into a bank account instead of their pockets, I would have enough reserve money to completely replace a brand new car by now. And if you ever do get into an accident, they just raise your rates so you really end up paying for all the repairs out of your pocket any way.