What Does Full Coverage Auto Insurance Mean?

Full coverage auto insurance isn’t a specific policy. Instead, it refers to a combination of coverages that offer broader financial protection in different driving situations. It usually includes the following:

• Liability protection may pay for damages or injuries you cause to others in an accident.

• Collision coverage may pay for your vehicle’s repairs following a crash, regardless of who was at fault.

• Comprehensive coverage may cover damage from non-collision events like theft, fire or vandalism.

• Uninsured/underinsured motorist coverage may provide coverage if you’re hit by a driver who doesn’t have enough insurance or is uninsured.

• Personal injury protection may help cover medical bills and other injury-related expenses for you and your passengers after an accident, regardless of fault.

Always review your policy details and consider your vehicle’s value, driving habits and budget when choosing coverage.

Who Needs Full Coverage Auto Insurance?

Drivers who finance or lease their vehicles often need full coverage auto insurance, as lenders typically require it to help cover repair or replacement costs. It’s also a practical choice for those with newer or high-value cars, since repairs can be expensive and liability coverage won’t cover damage to your vehicle.

People who live in areas with high accident or theft rates or face severe weather conditions may also benefit from the added coverage that full coverage provides. While it’s not legally required, full coverage can help reduce out-of-pocket expenses after a wide range of incidents.

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Morgan Marrow Company is here to guide you on auto insurance. Contact us today to learn more or to get a free quote.