When it comes to car insurance, there are many types of coverage options available, but one that stands out is full coverage insurance. As the name suggests, full coverage insurance provides extensive protection for your car, as well as yourself and other drivers on the road. This comprehensive coverage ensures that you are financially secure in case of an accident, theft, or damage to your vehicle.
What is Car Full Coverage Insurance?
Full coverage insurance is a type of insurance policy that covers all aspects of damage or loss that can occur to your car. In simple terms, it is a combination of collision, liability, and comprehensive insurance. This policy type not only covers damages to your car in case of an accident, but also provides protection against theft, vandalism, and natural disasters.
Additionally, full coverage insurance also includes bodily injury liability and property damage liability coverage, which protect you in case you are at fault in an accident and cause physical injuries or property damages to others.
What Does Full Coverage Insurance Cover?
The coverage provided by full coverage insurance can vary from one policy to another, but typically includes:
Types of Coverage |
Description |
Collision Coverage |
Covers damages to your car in case of an accident, regardless of fault. This includes damages from a collision with another car, a stationary object, or a pedestrian. |
Comprehensive Coverage |
Covers damages to your car from non-collision incidents, such as theft, vandalism, fire, or natural disasters. |
Bodily Injury Liability |
Covers medical expenses, lost wages, and legal fees if you cause physical harm to another person in an accident. |
Property Damage Liability |
Covers damages to another person’s property, such as their car or house, if you are at fault in an accident. |
Uninsured/Underinsured Motorist Coverage |
Covers you and your passengers in case you are in an accident with a driver who has little or no insurance. |
What is Not Covered by Full Coverage Insurance?
While full coverage insurance provides comprehensive protection for your car, there are certain exclusions that are not covered by the policy:
- Intentional damage to your car
- Wear and tear of your car
- Damage caused by driving under the influence of drugs or alcohol
- Damage caused by racing or participating in illegal activities
- Damage caused by a non-covered driver who used your car without permission
How Much Does Full Coverage Insurance Cost?
The cost of full coverage insurance varies depending on several factors, including:
- Your age and driving record
- The make and model of your car
- The amount of coverage you need
- Your location and the crime rate in your area
Generally, full coverage insurance is more expensive than other types of car insurance, such as liability-only or collision-only insurance. However, the extra cost is worth the peace of mind that comes with having comprehensive protection for your car and yourself.
Frequently Asked Questions (FAQ)
Do I Need Full Coverage Insurance?
While full coverage insurance is not required by law, it is highly recommended for car owners, especially those with new or expensive cars. If you are financing your car, your lender may also require you to have full coverage insurance until you have paid off your loan.
What is the Difference Between Liability-only and Full Coverage Insurance?
Liability-only insurance only covers damages you cause to others, while full coverage insurance provides additional protection for your own car and yourself. Liability-only insurance is usually cheaper than full coverage insurance but comes with limited protection.
Can I Add Full Coverage Insurance Midway Through my Policy?
Yes, you can add full coverage insurance to your policy at any time, but you may have to pay additional premiums for the new coverage. Contact your insurance provider to update your policy.
What is a Deductible?
A deductible is the amount of money you pay out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and your car repairs cost $2,000, you will pay $1,000 and your insurance provider will pay the remaining $1,000.
What Happens if I am in an Accident?
If you are in an accident, follow these steps:
- Call the police and report the accident
- Exchange insurance and contact information with the other driver(s)
- Take pictures of the damage and the accident scene
- Contact your insurance provider and report the accident
- Wait for further instructions from your insurance provider
Conclusion
Full coverage insurance is a comprehensive protection option for your car and yourself. It includes collision, liability, and comprehensive coverage, offering extensive protection for any damages or losses that may occur. While it may be more expensive than other types of car insurance, the peace of mind it provides is invaluable. Contact your insurance provider to learn more about full coverage insurance and how it can benefit you.
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