What is full coverage car insurance
What is full coverage car insurance
Blog Article
Full coverage car insurance is a term often used to describe a combination of different types of car insurance that offer broad protection in case of accidents, damage, or theft. While it’s not a specific type of insurance itself, it generally refers to a policy that includes the following coverages:
1. Liability Insurance (Required by law in most states)
- Bodily Injury Liability: Covers medical expenses, legal fees, and other costs if you're at fault in an accident that injures or kills someone.
- Property Damage Liability: Pays for damage you cause to another person’s property (like their car or fence) in an accident.
2. Collision Coverage
- Covers the cost of repairing or replacing your own vehicle if you're in an accident, no matter who is at fault. This includes damages from hitting another car, a tree, or even a fence.
3. Comprehensive Coverage
- Covers non-collision damage to your car, such as theft, vandalism, natural disasters (like hail or floods), falling objects, or accidents with animals (like hitting a deer).
4. Uninsured/Underinsured Motorist Coverage
- Protects you if you're in an accident caused by someone who doesn’t have enough insurance or no insurance at all. It covers medical expenses and repairs.
5. Medical Payments or Personal Injury Protection (PIP)
- Pays for medical expenses for you and your passengers, regardless of who is at fault in the accident. PIP can also cover lost wages and other related costs, depending on the state.