In the world of insurance, you will discover a lot of very confusing terms. There are different types of insurance and different deductibles. Do you really need full coverage or is simple liability your best option? The truth is, insurance is designed to give you options. If you drive an older car that you are not making payments on, full coverage may be an expense that you do not need. However, liability could let you down. It covers you, but not completely. This is why we have umbrella insurance. Umbrella Insurance covers you more fully than simple liability for when you need a little extra help.