When it comes to car insurance, the term 'full coverage' is often used to describe a policy that includes all risks and collisions, in addition to any other coverage required by the state. This type of insurance covers your car if you cause an accident or if it gets damaged by something outside your control, such as the weather. So what does full-coverage car insurance cover? Generally, it includes liability, comprehensive, and collision coverage. Collision and all risks will protect you and your vehicle in the event of an accident.
Liability will pay for any damage it may cause to others. Full-coverage auto insurance is an insurance policy that includes liability coverage plus comprehensive and collision insurance, along with any other coverage required by state law. Some people define full coverage as any policy that includes liability, collision, and comprehensive insurance, while others describe it as a policy that has the minimum state coverage plus any insurance required by a lender or landlord. Full coverage usually includes comprehensive and collision insurance, in addition to liability insurance and any other coverage required by the state, such as protection against personal injury or insurance for uninsured motorists. Full coverage insurance covers most scenarios, including damage to your car due to the weather, an accident caused by the culprit, the hit of an animal, or an act of vandalism. Since each state has different car insurance requirements, total coverage can also include several other types of coverage.
Things like reimbursement for the rental of the vehicle while yours is being repaired or replaced are offered separately and are generally not included in the term full coverage. Full-coverage car insurance is more expensive than the minimum statutory auto insurance coverage because it generally includes collision and comprehensive insurance, as well as the minimum coverage required by the state. It's important to understand what full-coverage car insurance entails so you can make an informed decision when selecting a policy. To help you out, we've put together this comprehensive guide on full-coverage car insurance.
What Does Full Coverage Car Insurance Include?
Full-coverage car insurance typically includes liability, comprehensive, and collision coverage. Liability will pay for any damage your vehicle may cause to others. Comprehensive coverage will cover damage to your vehicle caused by something outside your control such as weather or vandalism.What Is Not Covered By Full Coverage Car Insurance?
Full-coverage car insurance does not include reimbursement for rental cars while yours is being repaired or replaced.This type of coverage is offered separately and is not included in the term full-coverage.
