What Does Full-Coverage Auto Insurance Cover?
When you first purchase auto insurance, you might not know a lot about how it works. As a result, you might buy too little or too much insurance coverage. One option you will get to choose from is buying full-coverage insurance versus liability-only. If you do not completely understand the difference, it might be helpful to learn what full-coverage insurance covers.
It Covers Damages You Cause to Others
A full-coverage auto insurance plan comes with many coverage types. The first type is liability coverage, which protects you against financial losses you cause to others. If you do something wrong while driving and end up in an accident, you are the at-fault driver. As a result, you are responsible for paying the losses the other parties experience. If you have full-coverage insurance, your policy will pay these costs.
It Protects Your Car from Accidents You Cause
Secondly, if the wrongdoing caused damage to your vehicle, your policy would also cover those costs. Full-coverage insurance protects your vehicle from accidents you cause, which is a huge advantage. If you only have liability coverage, you will not receive compensation for the damages your car experience if you are responsible for a collision.
It Provides Compensation for Non-Driving Damages
Full-coverage insurance plans also provide protection for non-driving damages. For example, if your car experiences damage from a storm, you can file a claim on your plan. Having full-coverage insurance means that you have comprehensive coverage, which is an insurance product that protects you in these situations. Comprehensive also covers damages from theft or vandalism, and it protects you if you collide with an animal while driving.
It Also Covers Other Things
A typical full-coverage insurance plan protects you from many other things, too. For example, if an uninsured driver collides with your vehicle, that person should pay the damages. If they do not have insurance, they probably will not have a way to pay them, though. Your policy will include uninsured motorist coverage for situations like this, leaving you with coverage no matter what happens. You can also add other coverage types to your plan, such as roadside assistance. Adding extra types provides even more protection to you and your vehicle.
As you can see, a full-coverage auto insurance policy protects you from just about everything. If you want all this protection with your policy, choose a full-coverage plan. To learn about the costs and options, talk to a local auto insurance agent.