What is Full Coverage Auto Insurance
The phrase "full coverage auto insurance" is normally used to refer to auto insurance policies with the following types of coverage:
Comprehensive liability coverage. Basically, this type of coverage, as a component of full coverage, refers to protection against vehicle damage caused by unexpected factors, such as theft, vandalism, fire, weather, and other causes unrelated to collision. Check with your insurance if this is the component she or he is referring to as
full coverage auto insurance or does it include other types of coverage described in this article.
Collision. Collision coverage offers protection to the owner-driver's vehicle arising from collision with another object or vehicle.
Uninsured motorist coverage. If your vehicle were damaged by an uninsured driver, this coverage kicks and protects against bodily injury, normally to the insured driver (and accompanying passengers) at the other end.
Under-insured motorist coverage. It is similar to uninsured motorist coverage, except that there is a requirement that the party carries insurance but with limits much lower than those on underinsured motorist coverage.
Bodily injury. Provides coverage for medical bills, general damages, and other similar forms of damage.
Property damage. This form of liability coverage kicks in to protect against vehicle or other property that may be damaged at the other end of the spectrum.
In addition to these traditional forms of coverage, full coverage may also be term of art to refer to coverage for towing and roadside assistance, rental car reimbursement, medical payment coverage, and other key aspects of coverage.
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