WHAT IS FULL COVERAGE CAR INSURANCE?
Truthfully, there is no such thing as "full coverage"; full coverage auto insurance isn't a specific type of coverage or policy. Usually the term "full coverage" refers to the combination of liability coverage, physical damage coverages and sometimes additional coverages, such as roadside assistance. Not everyone's coverage needs are the same and "full coverage" for one person can look different than for another.
When deciding what full coverage car insurance means to you, keep in mind how much coverage you need to protect yourself and your vehicle, as well as what your state requires.
WHAT COVERAGES DOES SAFEAUTO OFFER?
At SafeAuto, we understand that every driver has their own set of unique needs, which is why we offer drivers a variety of coverage options. Here is a list of the different types of car insurance coverages that SafeAuto offers:
Bodily Injury and Property Damage Liability Insurance
Liability insurance is required by law in nearly every state. This type of coverage applies to situations where an insured driver causes an accident that results in bodily injury and/or damage to a vehicle or property owed by another.
What does liability cover?
Liability coverage helps pay for the costs of damages claimed by other drivers, up to the limits of your policy. It is split into two classifications, bodily injury and property damage.
What does bodily injury cover?
Bodily injury helps pay for the damages that the insured driver caused to another driver or their passengers in a collision.
What does property damage cover?
Property damage helps pay to repair or replace property that the insured driver damaged in an accident. This can include damage to other vehicles, property, utility poles, fences, and more. Additionally, this type of coverage also aids the insured driver with a legal defense if the accident results in a lawsuit.
Physical Damage Coverage
Physical damage coverage apples to the vehicles that are listed on the car insurance policy. This includes two coverage types: 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 damage to your car caused by inclement weather, theft or vandalism.
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 of an accident. This type of coverage provides reimbursement of medical expenses up to the applicable limit of liability.
Personal Injury Protection
Personal Injury Protection (PIP) coverage is only available in select states for "no fault" auto insurance. This coverage may help cover medical expenses regardless of fault.
Uninsured Motorist Property Damage Coverage
In most states, uninsured motorist property damage (UMPD) helps protect you if someone who doesn't have insurance causes property damage. In these circumstances, this type of coverage may help cover repair costs to fix your property.
Uninsured/Underinsured Motorist Bodily Injury Coverage
In most states, uninsured/underinsured motorist bodily injury coverage (UM)/(UIM) may help protect you if someone who doesn't have insurance or is underinsured hits you. In these circumstances, this type of coverage can help cover repair costs to fix your car.
Rental Car Reimbursement
Although this type of coverage varies by state, if you are in a covered accident and unable to drive your car, this coverage may reimburse you for the cost of a rental car, while your vehicle is being repaired.
Available in most states, this type of coverage may cover 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.
How much does "full coverage" auto insurance cost?
Since there is no standard full coverage car insurance, your premium will vary based on your location, vehicle, driving record, and your state's requirements. You can get an affordable "full coverage" car insurance quote online today or by calling 1-800-SAFEAUTO (1-800-723-3288).
Need more help with car insurance terms? Check out our blog post - Car Insurance Terms You "Auto-Know"!
Conditions, Limitations & Exclusions
All coverage types listed above are subject to various conditions, limitations, and exclusions, all of which are described in your 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 to help you customize your full coverage car insurance that gets you what you need at a price you can afford.