Girls Full Coverage Auto Insurance

People throw around the term "full coverage auto insurance". A friend, a family member, or actually your insurance agent may have said it before.

Technically speaking, full coverage auto insurance does not exist. No insurance company should promote full coverage. Brokers or agents might use it as a term to guide physical damage coverage to distinguish it from state-required coverage. However, it is essential to understand what this indicates to people.

One of my insurance trainers coaches drilled into me, "There is no such thing as full-coverage insurance". Nevertheless, customers everywhere use the term. Therefore, my objective is to assist you realize what it is, what it's not, what it does, and whether you need it on your auto insurance policy.

Question #1: What is Full Coverage Auto Insurance?

Full Coverage pertains to the auto policy whenever it offers both liability coverage and physical damage coverage. Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage.

Collision handles the physical damage to your car in an at-fault incident. When you run a red light and get into an accident, it covers the busted headlight on your vehicle. Generally, collision insurance covers damage to your automobile caused by collision with another object or by roll-over when it's your fault.

Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Comprehensive handles physical damage to your vehicle through acts of God and other occurrences. When you're utilizing it, the harm to your automobile is not your mistake. - when it's not your fault. For example, when you're traveling down the road and a stone strikes the windshield causing a crack. Your comprehensive might include the damage. Most lien holders require physical damage coverage if you are financing or leasing your vehicle.

Question#2: Why Isn't It Really 'Full Coverage'?

As you can possibly tell, it's not precisely 'full coverage car insurance'. You still have to pay your deductible to use comprehensive and collision. Occasionally, it is $50, and sometimes its $1000. Whatever it is, your 'full coverage auto insurance' won't include it. You have to write the check for it.

You cannot deliberately damage your vehicle. In reality, you cannot cover that kind of damage.That sort of damage is simply not covered. Therefore, in case you're standing at the edge of a cliff prepared to deliver send your old beater to its final destination resting location, you can may back up now. There's no auto insurance for intentional damage.