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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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