If you are ready to purchase auto insurance and want to ensure that the policy you choose provides you with all the coverage you need, you will probably tell the agent that you want full coverage insurance. Getting full coverage is a good choice if you want to maximize your benefits, but do you really understand what it includes? Here are several things to know about full coverage insurance before you get it.

It provides several types of coverage

One of the key differences between full coverage insurance and other types of policies is that it covers your own car if you cause an accident that leaves your vehicle damaged. This is the number one reason people want full coverage insurance policies, yet this is not the only coverage this type of policy includes.

In addition to this, a full coverage policy will also provide comprehensive coverage, which helps cover the costs of non-driving related problems, such as damage from vandalism or a tree branch landing on the car. A full coverage policy also provides an ample amount of liability protection, which is designed to protect others that are involved with an accident you cause. It will also provide medical coverage and personal injury protection, which are both important forms of coverage.

It is required if you owe money on your car

Having full coverage insurance is not always something people get because they want it, though. It is actually something that is required by all car lenders for people with loans on their cars. Therefore, if you have a loan, you will need to make sure you have full coverage insurance.

It does not typically include the following extras

Before you get this type of policy, ask the agent about extra types of coverage you can add. A full coverage policy offers a lot of protection, but it does not include all the protection you might need. For example, if you want to be insured against uninsured or underinsured drivers, you might have to add these types of coverage to your policy. If you want to be protected against the deficit you could owe if you total a brand-new car, you would want to add gap coverage to your policy. There are a lot of different types of coverage you can add on, and you should make sure you add on the right types for your needs.

Buying full coverage insurance is always a good idea if your car is valuable and in good shape, but you may also want to add on some extras to your policy for extra coverage. To learn more about the extras you can add, contact an insurance agent today.

For more information, you will want to contact a company such as Reinhardt's Insurance Agency.

Share