Most finance companies would be able to answer this for you. It will vary depending on the banking institution. Full coverage is a general assumption that you are covered meaning what you are "liable" for if you were sued because of negligence in addition to having Collision and Comphrehensive coverages. This means that you would have Bodily Injury Liability, Property Damage Liability and your damamges caused by you to the vehicle and by acts of GOD are covered. I personally think to have a car without full coverage is crazy even if it just sits in the yard or garage. It has been known for cars to be stolen while in a place too long. If you did not have comphrehensive then you are stuk with a loan and no car. Also there have been instances where kids or teens go into other peoples yards and sit around cars and hurt themselves acting like teens and you can be sued for Personaly Injury. These are two examples of cars that will get little or no use yet YOU could be held LIABLE for everything that happens. Do you have the money it takes to pay off a law suit? If so then No you can probably afford not to get Full coverage. Otherwise you will loose your home and cars to pay for a lawsuit. Good Luck!
No they do not. Ford credit is a financial institution which finances the sale of cars to the public. Sometimes they offer types of insurance like credit life and credit disability that are insurance products which pay them high commissions. They also offer products called forced place coverage through other insurance companies that are used when people fail to keep the proper insurance on their vehicles financed by ford motor credit. This coverage is physical damage coverage only to cover the amount financed so that ford motor credit does not take a loss if the vehicle financed is damaged and the client did not have insurance. This coverage is very expensive, only covers ford motor credit, and the cost is added to the clients account. It is not an insurance policy and does not provide liability coverage or any other coverages needed.
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