What Does Full Coverage Car Insurance Really Cover?

Full coverage auto insurance generally refers to a combination of different types of coverage that can work together to provide multifaceted financial protection. In many cases, it includes liability coverage, collision coverage and comprehensive coverage.

What Does Full Coverage Auto Insurance Cover?

Full coverage car insurance may provide financial support in many situations, including fender benders, hailstorms and break-ins. Policies often include the following:

• Liability coverage may compensate third parties if they suffered bodily injuries or property damage in an accident you caused.
• Collision coverage may reimburse your car’s repair costs after an accident, regardless of who was at fault.
• Comprehensive coverage may cover damage from fire, theft, severe weather and other events unrelated to a collision.

Who Needs Full Coverage Auto Insurance?

Full coverage car insurance isn’t usually required by law, but you may be subject to such lender mandates if your vehicle is financed or leased. Still, your insurance agent may recommend this policy if:

• You drive a newer or high-value car
• You live in an area with high theft, vandalism or severe weather
• You depend on your vehicle for daily commuting or long trips
• You want help covering repairs after an at-fault accident

How Much for Coverage?

Many factors impact full coverage auto insurance rates, including your driving record, location, vehicle type and deductible. On average, drivers pay more than they would for liability-only policies, but the added coverage can be worth it depending on your circumstances. Compare quotes and review the details with your agent to understand what each policy includes before making a decision.

Auto Insurance Agents in Watsonnville, CA

Golden Central Insurance Agency can help you learn more about full coverage auto insurance. Our agents are well-equipped to help you secure the appropriate policy. Contact us today to request a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.