It Pays to Know Specifics About Full Coverage Car Insurance

Beyond the state requirement for auto insurance it pays to know more about additional coverage. Full coverage car insurance takes into account the state minimal coverage and adds more and/or additional types of coverage. While there is not a "true" full coverage plan it is possible to get coverage as full as possible. Taking a closer look into specifics helps to make that big decision.

Bodily Injury Liability Coverage comes in very important if an accident is the insureds fault. This one area alone is often where most people spend the largest portion of their insurance budget. This is because the expenses can run high. Expenses can include legal fees, ambulance service and medical treatment - which can be long term, loss of income, funeral costs and more. If expenses are not covered by a policy then assets could be attached. Next in importance Property Damage Liability Coverage takes care of any damages at the fault of the insured against any personal or real property that does not belong to the insured, including vehicles. These are the real cream of the crop when it comes to full coverage car insurance.

Collision Coverage is for the purpose of protection of the insureds vehicle in the event of an accident. Helping pay for the actual cash value of a vehicle in the event a car is totaled can make a big difference. If a vehicle is financed then collision coverage has to be provided for. Some tag on types of coverage may be available to compensate for the amounts such as a loan balance that is not paid with stand alone collision coverage. Comprehensive Coverage picks up where an incident such as flood, fire, vandalism, hitting an animal or a broken windshield happens.

Uninsured or Under-insured Motorist covers the expenses that normally would be paid by the at fault driver to the other driver and passengers. After the at fault driver's carrier pays to the limits of their policy then uninsured/under-insured motorist takes over. Full coverage car insurance ideally meets the policy holder's needs to cover all possible scenarios within the budget.

Deductibles can help lower the rates but are only as good as the ability to pay them in the event in the event of a claim. There are many additional options offered by carriers. Options may be rental reimbursement, road hazard assistance, personal injury protection, pet insurance, personal asset protection and more. It does pay to look for the best options and take the time to make informed decisions.