Learn More About What Is Actually Included In Full Coverage Auto Insurance

11 November 2022 by Elijah Steward

You may often hear people refer to their auto insurance as full coverage auto insurance. Despite this term being rather well known, many people are not familiar with the protection that full coverage insurance provides. If you are one of these people, you may find yourself struggling to determine whether or not full coverage auto insurance is the right option for you. Below you can learn more about the protection that this coverage offers so that you can make this important decision. 

Liability 

The first part of your full coverage auto insurance policy will address the issue of liability coverage. This coverage will be broken into property damage and bodily injury coverage. Your liability property damage coverage will take care of paying for any damage that you may do to another person's vehicle or personal property. Your liability bodily injury coverage will take care of covering any medical bills that result from your injuring another driver or a pedestrian in an accident.

Collision 

Full coverage auto insurance also provides collision coverage. Like liability coverage, collision coverage is also broken down into property damage and bodily injury coverage. The difference is that this type of coverage applies to damage to your vehicle and medical bills that you or your passengers incur. If your vehicle is currently being financed, collision coverage can also help to pay off your auto loan if your vehicle is ever totaled as the result of an accident. 

Comprehensive

Comprehensive coverage is perhaps the most complex part of your full coverage auto insurance policy. This is because many of the protections that your policy offers will fall into this category. For instance, full coverage policies typically offer full glass coverage as part of the comprehensive coverage. Comprehensive coverage also provides property damage protection if your vehicle is damaged as a result of severe weather. In some cases, theft and vandalism will also be included in the comprehensive section of your policy.

Uninsured Motorist 

Being hit by a driver without any insurance can leave you with a lot of out-of-pocket expenses while you try and recoup these costs from the driver in small claims court. The uninsured motorist coverage provided as part of a full coverage auto insurance policy can help to ensure you are covered even if the other driver does not have insurance. 

Underinsured Motorist 

If you have a valuable vehicle, it is possible that other drivers on the road may not have enough liability coverage to fully cover the value of your vehicle if it is destroyed in an accident. Underinsured motorist coverage picks up where the other driver's insurance leaves off to ensure that you are fully covered. 

Contact a local insurance company to learn more about full coverage auto insurance. 

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