Are you looking for full coverage car insurance? If you’ve been getting quotes online and looking for types of full coverage car insurance, you may have realized that there’s no such insurance product. Instead, the term full coverage auto insurance is an unofficial term to describe insurance coverage that contains liability, collision, and comprehensive policies. The good news is that at AFI Insurance, we offer all the insurance products you need to completely customize your auto insurance to get the exact type of ‘full coverage’ auto insurance that you need.
Understanding the Term Full Coverage Car Insurance
Full coverage car insurance generally refers to a car insurance policy that contains, at a bare minimum, liability, collision, and comprehensive insurance products. However, since there’s no specific insurance product for full coverage auto insurance, it means that you can completely customize your policy, including options for the highest limits available.
Every insurance policy contains liability coverage, even if it’s the only coverage in the policy. This is because it’s required by law. Liability insurance pays for the other driver’s accident-related injuries, and car repair or replacement costs up to the amount listed in the policy owner’s policy. It also pays for injuries to any passengers that were in the vehicle at the time of the crash. To fully understand your liability insurance, it’s best to ask questions and completely read the policy information so that you are up-to-date on any coverage limitations and/or exclusions.
Collision insurance pays for the policy owner’s or driver’s injuries, property damage, and car repair or replacement costs. This type of coverage doesn’t depend on the at-fault status of the driver. This means that if the driver or policy owner was found to be at-fault for the accident or incident, their car repairs or vehicle replacement is covered up to the value of the vehicle just before the collision. This type of coverage typically contains a deductible from $0 to $1,000 that must be paid before any repairs are completed.
Comprehensive insurance covers non-driving related damage to the vehicle. This damage could be from falling tree branches, certain types of weather events, fire, theft, and vandalism. Comprehensive coverage may or may not contain a deductible that must be paid before the repairs or receiving a check for the replacement of the vehicle. It’s important to understand that this coverage may also contain exclusions and limitations, so it’s best to talk to one of our insurance agents to understand the specifics of the policy.
Add-on Insurance Options for Increased Protections
While having liability, collision, and comprehensive car insurance coverage is a good start, it may not be enough protection for you and your family. For this reason, there are several different types of add-on coverages including:
- Rental Car Expenses – If your vehicle is in the repair shop due to an accident, rental car coverage covers the expenses of renting a car while yours is being repaired. This typically has a daily limit attached to it.
- Roadside Assistance – Roadside assistance pays for tow trucks and jumpstarts of your vehicle if you break down on the side of the road. This type of coverage gives you someone to call if you find yourself stuck on the side of the road in a vehicle you can’t drive due to a mechanical failure.
- Gap Coverage – Gap coverage is great for individuals who lease or make payments on their vehicles. Gap Coverage pays the difference between what is owed on the vehicle and the value of the vehicle at the time of the accident if the vehicle is declared a total loss.
- Underinsured and Uninsured – Underinsured and uninsured insurance pays for damages to your vehicle from a driver that either does not have enough coverage to pay for your injuries and vehicle damage or the driver doesn’t have any insurance.
When you have specific car insurance needs that include needing full coverage insurance options as well as additional insurance coverage, like gap insurance, roadside assistance and coverage for rental cars while your car is being repaired after an accident, you can count on us to listen to your needs and completely customize your insurance options. For more information on your car insurance coverage, contact our office.