What Is Full Coverage Auto Insurance?

Before getting auto insurance, you may have heard about “full coverage auto insurance” Generally, full coverage auto insurance isn’t a specific insurance policy but a combination of required and optional coverage’s. Full coverage auto insurance can help pay for damages you caused your car or other liability and medical bills whether you hit a pole, cause an accident that injures another motorist, or your car has flood damage.

While there is no combination of coverage’s that we’d call a “full coverage auto insurance, but your coverage may include:

Collision coverage: Cover the cost of repair to your car in the event of a collision. You can use collision insurance coverage whether you’re at fault or not.

Comprehensive coverage: Cover any damages to your vehicle in the event of vandalism or theft. It can also cover repair costs resulting from hail, flood, and when you hit an animal.

Property damage liability: Cover damages if you’re at fault in an accident, including property loss and repairing the other party’s car.

Bodily injury liability: Cover damages for injuries or loss you caused someone else. These damages can include lost wages, legal fees, and medical expenses.

Uninsured motorist bodily injury: Cover medical expenses and loss of earnings for injuries to passengers and drivers.

Uninsured motorist property damage: Cover the cost of repairing your car when an uninsured motorist causes the loss.

Medical payments coverage: Cover medical expenses resulting from a covered collision no matter who is at fault.

How Much Does “Full Coverage” Auto Insurance Cost?

The types of coverage, limits, and deductibles you choose will determine your cost. Remember that you can get an auto insurance policy with extensive coverage at a more affordable rate than you might think. We suggest you consult with your agent to get an estimate.

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