Understanding Auto Insurance - What’s ‘Full Coverage’ Car Insurance

Owning a car is a big investment and you wanna protect it , which probably has you wanting full coverage car insurance , but full coverage doesn't actually exist when people use that term .

They often mean a combination of coverages .

Luckily a car insurance policy offers plenty of options to help protect you and your car .

Let's talk about a few first up auto liability coverage .

You might want this in case you cause an accident , it'll help pay for the other driver's medical expenses or repair bills .

But keep in mind that your liability coverage won't pay for your own bills after an accident .

However , medical payments coverage or personal injury protection will help pay your medical bills if you or your passengers are injured in an accident .

Next is collision coverage say your car needs repairs after a wreck .

This one helps pay to repair or replace your vehicle .

Transportation expense coverage helps pay for any transportation that you use while your car is being repaired due to a covered claim including a rental car .

Another option is comprehensive coverage which helps pay to repair or replace your car for situations like theft or if something falls on it finally uninsured motorist coverage .

If an uninsured driver causes an accident and they injure you or damage your car .

This coverage helps with your expenses .

One last note , if you're still paying off an auto loan or if you have a lease on your vehicle , your lien holder or financing company usually requires collision and comprehensive coverage .

Otherwise , if your vehicle's paid off , these two coverages are typically optional on a car insurance policy .

Remember each coverage has a limit and some coverages have a deductible accidents can be expensive .

You'll want coverage to protect you if one happens , that's what auto insurance will do for you .