What s Full Coverage Auto Insurance
What is Full Coverage Auto Insurance?
Full coverage auto insurance is a term that is often used to describe a combination of coverages that can help protect a vehicle. It is important to understand that the term “full coverage” is not a type of insurance, but rather a combination of coverages to help protect your vehicle. The coverages that are typically included in a full coverage policy are collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Collision Coverage
Collision coverage helps to pay for damage to your car resulting from a collision with another car or object. This coverage can help pay for repairs to your vehicle, regardless of who is at fault. With collision coverage, you can also choose to have your vehicle repaired at a shop of your choice, as long as they use parts that meet your insurer’s guidelines. Keep in mind that collision coverage comes with a deductible, which is an amount that you must pay out of pocket before the coverage will kick in.
Comprehensive Coverage
Comprehensive coverage can help pay for repairs to your car in the event of theft, fire, or damage caused by extreme weather. This coverage can also help pay for repairs resulting from a collision with animals, like a deer. As with collision coverage, you will have to pay a deductible before the coverage kicks in. Comprehensive coverage can be a great addition to your policy if you live in an area that is prone to bad weather or if you are concerned about theft.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can provide you with additional protection if you are involved in an accident with a driver who does not have insurance or who does not have enough insurance to cover the damage. This coverage can help pay for your medical bills, lost wages, and other damages resulting from the accident. You can choose to add uninsured/underinsured motorist coverage to your policy, but it is not required by law.
Medical Payments Coverage
Medical payments coverage can help pay for medical bills if you are injured in an accident, regardless of who is at fault. This coverage can help pay for doctor’s bills, hospital bills, and other medical expenses resulting from an accident. Medical payments coverage is not required by law, but it can be a great addition to your policy, especially if you do not have health insurance.
Full Coverage Auto Insurance: What You Need to Know
Full coverage auto insurance is a combination of coverages that can help protect your vehicle from damage, theft, and other losses. The coverages that are typically included in a full coverage policy are collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. It is important to understand that the term “full coverage” is not a type of insurance, but rather a combination of coverages. It is also important to note that these coverages are not required by law, but they can provide you with additional protection in the event of an accident.
