Get Full Coverage From SafeAuto Insurance

What is full coverage car insurance?

There’s no standard definition of full coverage car insurance, as car insurance should be customized for every driver. Often, lenders and leasing companies refer to full coverage auto insurance as coverage that combines liability and physical damage together. Other times, full coverage refers to all possible coverage types that are bundled together into a car insurance policy. When you’re deciding on what full coverage means to you, keep in mind how much coverage you need to protect yourself and your vehicle, and what your state mandates. Although the specifics of available coverage types differ from state to state, SafeAuto is here to provide full coverage car insurance quotes to every driver with as many affordable coverage options as possible to keep you protected on the road ahead at a price you can afford.

What Coverages Does SafeAuto Offer?

At SafeAuto, we understand that every driver has their own car insurance needs, which is why we offer drivers a wide variety of coverage options, so every policy is unique to and optimized for the driver. Here’s our list of the different types of car insurance coverage SafeAuto offers.

Bodily Injury And Property Damage Liability Insurance

Bodily Injury And Property Liability Insurance

These car insurance types are required in nearly every state. Bodily injury and property liability insurance are usually bundled together as a single “liability to others” car insurance coverage type. This type of coverage applies to those dire situations in which an insured driver causes an accident that results in bodily injury and/or damage to vehicle or property owned by another.

Liability coverage pays for the damages for which an insured driver could be held responsible, up to the limit of liability that’s stated in the car insurance policy.

Bodily injury pays for the damages that the insured driver caused to another driver or their passengers. This can include medical expenses, income loss, pain and suffering, among other items.

Property damage covers the associated costs that stem from having to repair or replace property that results from a car accident. This includes other vehicles, fixed property, utility poles, and fences, among other items. This type of coverage also aids the insured driver with a legal defense if the accident results in a lawsuit.

Personal Injury Protection/First Party Benefits

Personal Injury Protection

In some states that allot for ‘no fault’ automobile insurance, Personal Injury Protection (PIP) coverage is offered. This is also known as First Party Benefits. Each coverage type has specific requirements associated with it, and the nature of the coverage varies by state.

These programs provide coverages for one or more of the following items:

  • Medical and Funeral Expenses
    Regardless of fault in the accident, medical expenses can cover medical bills and funeral expenses that result from it. This type of coverage extends to family members and your passengers.
  • Loss of Income
    Loss of income covers you if you or others are injured from the accident, and as a result, cannot work.
  • Cost of replacement household services
    Cost of replacement household services covers you if you or others need additional support resulting from being involved in an accident. This type of coverage assists with matters such as childcare, house cleaning, and yard work.
Physical Damage Coverage

Physical Damage Coverage:

Physical damage coverage applies to the vehicles that are under the policy. Usually, this includes two coverage types of collision coverage, and comprehensive coverage. Collision coverage applies to damage that is sustained when an insured vehicle collides with another vehicle or inanimate object. Comprehensive coverage applies to losses as a result of fire, theft, inclement weather, animals and other similar circumstances.

Medical Expense Coverage

Medical Expense Coverage

In most states, regardless of fault in the accident, medical expense coverage applies to situations in which you or another insured driver are injured as a result from an accident. This type of coverage provides reimbursement of medical expenses up to the applicable limit of liability.

Uninsured Motorist Property Damage Coverage

Uninsured Motorist Property Damage Coverage:

In most states, uninsured motorist property damage (UMPD) helps protect you if someone causes property damage who doesn’t have insurance. In these circumstances, this type of coverage can help cover repair costs to fix your property.

Uninsured/Underinsured Motorist Bodily Injury Coverage

Uninsured/Underinsured Motorist Bodily Injury Coverage:

In most states, uninsured/underinsured motorist bodily injury coverage (UM)/(UUIM) helps protect you on the road if someone hits you who doesn’t have insurance or is underinsured. In these circumstances, this type of coverage can help cover repair costs to fix your car.

Rental Reimbursement

Rental Car Reimbursement:

Although this type of coverage varies by state, in general, if you’re in a covered accident and unable to drive your car, this type of coverage can reimburse you for the cost of a rental car while your car is being repaired.

Towing & Labor Coverage

Roadside Assistance:

Available in most states, this type of coverage covers the cost of towing and roadside labor. This benefit provides emergency roadside assistance for specific events, such as, flat tire, lockout, dead battery, or running out of gas.

Accidental Death Benefit

Accidental Death Benefit:

This type of coverage provides a fixed payment to the insured motorist’s estate if there is a loss of life as a result from a car accident involving a covered vehicle.

Conditions, Limitations & Exclusions

All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how the above coverage types applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available 24/7 to help you customize your full insurance auto insurance quote that gets you what you need at a price you can afford. Now that’s insurance for the rest of us.