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What is Full Coverage Insurance?

November 14th, 2018

One of the biggest misconceptions I see in insurance is the term “Full Coverage.” When quoting car insurance for customers I often have to explain what they think they mean when they say then need full coverage on the vehicle. The term full coverage is not an insurance term. It is not found on the application for a policy. What people are generally referring to is Comprehensive and Collision coverage. Most of the time these are required by the bank when there is a loan on the vehicle. Comprehensive coverage is for hitting an animal, glass breakage, theft, vandalism and hail damage to name a few. Collision coverage comes into play when you are at fault in an accident or hit a stationary object. These coverages can typically be itemized with the same or different deductibles. For example I can carry comprehensive coverage only on my car and no collision if i choose.

The other misconception with the term Full Coverage is when people think it means every coverage that company has to offer. There are several other optional coverages. Medical Payments coverage is for you and people in your car regardless of fault. Roadside Service is for basically the services of a tow truck or locksmith. Car rental is typically connected to your comp or collision coverage and gives you money for a car rental in the event of a claim under one of those coverages. Underinsured Motorist is also an optional coverage. It is always a good idea to review coverages with your agent. Make sure he/she explains not only what you have but what you don’t have. Some of the coverages may not be important to you but at the end of the day it is your decision so why not make it an informed decision.

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