When you think about car insurance, what is the first thing that comes to your mind? Probably the cost of coverage. But what else does full coverage auto insurance include? In this article, we will explore all of the different types of coverage that are typically included in full coverage auto insurance. From liability to collision, you’ll have a better understanding of what’s covered and what isn’t. Plus, we’ll give you tips on how to make sure you’re getting the most out of your policy.
What is Full Coverage Auto Insurance?
Full coverage auto insurance includes liability, collision, and comprehensive coverage. Liability insurance covers you if someone is injured as a result of an accident that you were responsible for. Collision insurance pays for damages to your car if it is in a collision with another vehicle. Comprehensive coverage covers property damage, injuries to people other than the driver, and costs associated with getting your car repaired or replaced.
What are the benefits of Full Coverage Auto Insurance?
Full Coverage Auto Insurance protects you and your passengers in the event of a car accident. It typically includes coverage for medical expenses, lost wages, and property damage. Full Coverage Auto Insurance may also include collision, comprehensive, and roadside assistance.
The benefits of Full Coverage Auto Insurance include:
-Medical Expenses: If you are involved in a car accident and are injured, your medical bills could be expensive. Full Coverage Auto Insurance can help cover some or all of your medical expenses.
-Lost Wages: If you are unable to work because of an injury, Full Coverage Auto Insurance can help you receive income while you heal.
-Property Damage: If your car is damaged in a car accident, Full Coverage Auto Insurance can help pay for the cost of repair or replacement.
What is excluded from Full Coverage Auto Insurance?
So, what is excluded from full coverage auto insurance? Probably the most common exclusion is collision coverage. This excludes damage to your car that is caused by something outside of your control, like a deer running into your vehicle. Other exclusions might include:
Property damage liability: This covers you for injuries or damages to people or property that you cause.
This covers you for injuries or damages to people or property that you cause. Personal liability: This provides protection if someone else is responsible for injuring you in an accident.
This provides protection if someone else is responsible for injuring you in an accident. Uninsured motorists coverage: If someone hits your car and doesn’t have insurance, this will help pay for the damages.
If someone hits your car and doesn’t have insurance, this will help pay for the damages. Towing and storage: This gives you coverage if your car needs to be towed away after an accident or if it’s stored while repairs are made.
How much does Full Coverage Auto insurance cost?
Auto insurance is one of the most important financial investments you’ll ever make. A full coverage policy provides maximum protection for your vehicle and drivers, including damages to cars and drivers, bodily injury liability (BI) , property damage liability (PDL) , collision coverage, and comprehensive coverage.
When shopping for auto insurance, be sure to ask about what is included in a full coverage policy. Many policies include bodily injury liability (BI), collision coverage, and comprehensive coverage. Be sure to read the fine print to see exactly what’s covered.
Some insurers also offer additional features such as roadside assistance, rental car reimbursement, theft protection, and discount rates for members of specific clubs or associations like AAA or The American Legion.
To find the best auto insurance policy for you, compare quotes from several companies and read the details of each policy. Shop around until you find an insurer that meets your needs completely.
Is Full Coverage Auto Insurance right for you?
Exactly what is covered under full coverage auto insurance? Full coverage auto insurance includes everything from property damage to collision, no matter who was at fault. Most policies also include uninsured motorist coverage, which covers you if someone unlucky hits and wrecks your car and then refuses to pay for the damages. Some other features may include medical payments, rental car reimbursement, and trip interruption. For a complete list of what is typically included in full coverage policies, check with your insurer or look online.
