Car insurance is a necessary expense for every driver, but it can be confusing to understand what is covered under different types of policies. One common type of car insurance is full coverage, which provides comprehensive protection for your vehicle. In this article, we'll explain what full coverage car insurance covers.
Full coverage car insurance typically includes three types of coverage: liability, collision, and comprehensive. Here's a breakdown of what each of these types of coverage includes:
- Liability coverage: This is the most basic type of car insurance coverage and is required by law in most states. Liability coverage pays for damages you cause to other people or their property in an accident. It does not cover damages to your own vehicle.
- Collision coverage: This type of coverage pays for damages to your own vehicle if you are in an accident, regardless of who is at fault. This can include repairs or replacement of your vehicle, up to the coverage limit you choose.
- Comprehensive coverage: This type of coverage pays for damages to your vehicle caused by something other than a collision, such as theft, vandalism, or natural disasters.
In addition to these three types of coverage, full coverage car insurance may also include additional benefits, such as:
- Uninsured/underinsured motorist coverage: This type of coverage pays for damages if you are in an accident with someone who does not have enough insurance to cover the damages.
- Medical payments coverage: This type of coverage pays for medical expenses if you or your passengers are injured in an accident.
- Roadside assistance: This benefit provides assistance if your vehicle breaks down or you have a flat tire while driving.
It's important to note that the specific coverage and limits of full coverage car insurance can vary depending on the insurance provider and the policy you choose. Be sure to review the policy details carefully and ask any questions you may have before signing up.
In summary, full coverage car insurance provides comprehensive protection for your vehicle, including liability, collision, and comprehensive coverage. It may also include additional benefits, such as uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance. Be sure to review the policy details carefully and choose a policy that meets your needs and budget.
