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What is Full Coverage Insurance?

Full coverage insurance consists of the following:

  1. Liability: The base requirement of most state minimum insurance standards, liability covers the other party’s injuries or property damages if you cause an accident. Note, however, that no-fault states do not require liability, and instead typically require PIP coverage.

  2. Collision: Regardless of who is at fault, this will cover you in the event of a collision, whether it’s with another vehicle or with a roadside object, including trees or buildings.

  3. Comprehensive: Comprehensive coverage protects you in the event of any non-collision accidents. This might include damage from a fire, a flood, theft, or vandalism.

Having full coverage means added financial protection in the event of an accident, regardless of the cause. It is far more protective and reliable that any state minimum insurance requirements, which often only include a basic level of liability insurance. While choosing liability-only coverage will save you money on your premiums, having full coverage could save you from financial ruin in the case of a serious accident.

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Other Available Coverage Options

Despite the name, however, full coverage is not all-encompassing. There are several other types of insurance or add-ons you can select when purchasing car insurance. Here are just a few of the options:

  1. Uninsured/underinsured motorist coverage: This covers both medical expenses and property damages when you are in an accident with a driver that is either uninsured or underinsured. As there are unfortunately many uninsured drivers on the road, this is required in many states.

  2. Personal injury protection (PIP): PIP covers your medical expenses and lost wages in an accident, regardless of who caused it. This is a requirement in several states.

  3. Medical payments (MedPay): A requirement in certain states, MedPay covers injuries for you and your passengers when you get in an accident, whether you’re the at-fault driver or not. It does not cover lost wages.

  4. Gap insurance: When it comes to car damage in an accident, most standard insurance covers the current value of the car rather than the original purchase value. As a new car will start to depreciate the moment it is purchased, it is possible for you to owe more on a car than you will be reimbursed for by insurance after an accident. In this situation, gap insurance will pay for the difference.

  5. Roadside services: If your car stops working and you get stuck on the road, this will cover the cost of towing. It also typically includes other forms of assistance, such as flat tire changes, battery changes, oil work, etc.
  6. Enjoy full coverage for less than you think, with rates as low as $33.67/month*. Enter your zip code to find the best quotes now!

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