What Does Full Coverage for Auto Insurance Mean?
Full Coverage auto insurance is a type of insurance that provides protection for you car, your passengers or other people or property that are not in your car in the event of damage or loss. It typically includes liability coverage, collision coverage, comprehensive coverage, and medical payments coverage.
- Liability coverage pays for damages to other people's property or injuries to other people that you cause while driving your car
- Collision coverage pays for the cost to repair or replace your car if it is damaged in a collision with another driver.
- Comprehensive coverage pays for the cost to repair or replace your car if it is damaged by something other than a collision, such as theft, fire, or vandalism.
- Medical payments coverage pays for the cost of medical Treatment for you and your passengers if they are injured in an accident in your car.
In addition to these basic coverages, full coverage auto may also include other types of coverage, such as:
- Uninsured motorist coverage pays for your damages if you are injured in an accident by a uninsured driver.
- Underinsured motorist coverage pays for your damages if you are injured in an accident by a driver who has insufficient insurance coverage.
- Rental car reimbursement pays for the cost of a rental car if you car is in the shop for repairs from a covered claim.
- Towing and labor reimbursement pays for the cost of towing your car and the cost of labor to repair it.
Most people that have Full Coverage might not be covered as well as what they think. In our next article we will discuss:
Do You Really Have Full (Enough) Coverage?
What are State minimums?
How much coverage should I have?
Why Should I carry a Liability Umbrella?
How can I afford that much coverage?