State Farm Full Coverage Insurance What Does It Cover

What Does State Farm's Full Coverage Insurance Cover?

Full coverage insurance is an all-encompassing type of policy that covers most of the risks associated with driving a car. State Farm offers a variety of full coverage policies to suit the needs of different drivers. Whether you're a new driver, a seasoned veteran, or just looking to update your insurance, understanding the details of State Farm's full coverage policies is essential.

What Does a State Farm Full Coverage Policy Include?

A State Farm full coverage policy includes the following types of coverage: bodily injury liability, property damage liability, comprehensive, collision, medical payments, uninsured/underinsured motorist, towing and rental car reimbursement. Bodily injury liability pays for injuries to other people caused by you or another driver covered by your policy. Property damage liability pays for damages to other people's property, such as buildings or other vehicles, caused by you or another driver on your policy. Comprehensive and collision coverage protects your vehicle against damages caused by accidents, theft, vandalism and other covered risks. Medical payments coverage pays for medical expenses of you or your passengers due to an accident, regardless of fault. Uninsured/underinsured motorist coverage pays for damages to your vehicle caused by a driver with no insurance or insufficient insurance. Towing and rental car reimbursement pays for towing and rental car costs if your vehicle is disabled due to a covered loss.

What Is the Difference Between Liability and Full Coverage?

Liability insurance covers only the other person's damages, while full coverage insurance covers both the other person's damages and your vehicle in case of an accident. Liability insurance is the minimum required by most states, while full coverage is optional. However, it is highly recommended to get a full coverage policy if you have a newer car or a car with a loan - as it will provide a financial safety net in case of an accident. On the other hand, if you have an older car with no loan, you might opt out of full coverage and just get the required liability insurance.

What Type of Deductible Should I Choose?

The deductible is the amount of money you must pay out-of-pocket before your insurance kicks in. State Farm offers a variety of deductibles for their full coverage policies. Generally, the lower the deductible, the higher the premium. Therefore, it is important to choose a deductible that you are comfortable with. If you are worried about a major accident, you might want to choose a lower deductible so that you don't have to pay as much out-of-pocket. On the other hand, if you are looking for a lower premium, you might want to choose a higher deductible.

What Other Benefits Does State Farm Full Coverage Insurance Offer?

State Farm full coverage insurance offers a variety of additional benefits, such as roadside assistance, accident forgiveness and rental car coverage. Roadside assistance covers towing and other services if your vehicle breaks down. Accident forgiveness means that your rates won't be raised after your first at-fault accident. Rental car coverage pays for a rental car if your vehicle is disabled due to an accident.

What Does State Farm Full Coverage Insurance Not Cover?

State Farm full coverage insurance does not cover damage caused by normal wear and tear, intentional damage, or damage caused by an animal or bird. It also does not cover damage caused by an act of God, such as a tornado or hurricane. In addition, State Farm does not cover any modifications to your vehicle, such as after-market parts or custom paint jobs.