As the air turns crisp and cold, winter storms can roll in and unleash a surprise attack. One moment your car is parked under holiday lights, and the next it’s being pelted by ice balls. A hailstorm can crack your windshield, ding or dent up your roof, hood, and more. Your auto policy can cover hail’s icy assault, but only if you have the right coverage. Comprehensive coverage pays for such repairs, while a basic liability-only policy will leave you out in the cold. Here’s what you need to know about car ...

Key takeaways: Liability insurance is the foundation of any car insurance policy because states require it to cover damages you cause to others in an auto accident. Full coverage car insurance adds protection for your own car, paying for repairs or the replacement in the event of an accident, theft, vandalism, and more. How much you’ll pay for car insurance is related to your risk of being involved in an accident, and full coverage also looks at the value of your car and the amount of your deductible. ...