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If you’re wondering, ‘what is full coverage car insurance?’, you’re not alone. As car insurance is unique to every driver, there isn’t a standard definition of full coverage car insurance. Typically, full coverage auto insurance isn’t a specific type of policy, but rather a combination of liability and physical damage coverage.
When deciding what full coverage car insurance means to you, keep in mind how much coverage you need to protect yourself and your vehicle, as well as what your state requires. Although available coverage differs from state to state, SafeAuto is here to provide you with full coverage auto insurance with as many affordable options to keep you covered on the road ahead at a price that you can afford.
At SafeAuto, we understand that every driver has their own set of unique needs, which is why we offer drivers a variety of coverage options. Here is our list of the different types of car insurance coverage types that SafeAuto offers.
Bodily injury and property liability insurance are required in nearly every state. Bodily injury and property liability insurance are usually bundled together as a ‘liability to others’ car insurance coverage type. This type of coverage applies to those dire situations where an insured driver causes an accident that results in bodily injury and/or damage to a vehicle or property owed by another.
Liability coverage helps pay for the costs of damages claimed by other drives for injuries they sustained, up to the liability in your policy.
Bodily injury helps pay for the damages that the insured driver caused to another driver or their passengers in a collision. This can include medical expenses, income loss, pain and suffering, and more.
Property damage helps pay for the associated costs that stem from having to repair or replace property that results from a car accident. This can include damage to other vehicles, property, utility poles, fences, and more. Additionally, this type of coverage also aids the insured driver with a legal defense if the accident results in a lawsuit.
In some states that allot for ‘no fault’ auto insurance, Personal Injury Protection (PIP) coverage is offered. Personal Injury Protection (PIP) is also known as first party benefits. Each coverage type has specific requirements associated with it, and the nature of the coverage does vary by state.
Regardless of fault in the accident, medical expenses can cover medical bills and funeral bills that result from it. This coverage extends to family members and your passengers.
Loss of income covers you if you or others are injured from the accident, and as a result, cannot work.
Cost of replacement household services covers you if you or others need additional support resulting from a car accident. This type of coverage assists with childcare, house cleaning, yard work, and more.
Physical damage coverage apples to the vehicles that are under the car insurance policy. Usually, this includes two coverage types: collision coverage and comprehensive coverage. Collision coverage applies to damage that is sustained when an insured vehicle collides with another vehicle or inanimate object. Comprehensive coverage applies to damage to your car caused by inclement weather, theft or vandalism.
In most states, regardless of fault in the accident, medical expense coverage applies to situations in which you or another insured driver are injured as a result from an accident. This type of coverage provides reimbursement of medical expenses up to the applicable limit of liability.
In most states, uninsured motorist property damage (UMPD) helps protect you if someone causes property damage who doesn’t have insurance. In these circumstances, this type of coverage can help cover repair costs to fix your property.
In most states, uninsured/underinsured motorist bodily injury coverage (UM)/(UUIM) helps protect you on the road if someone hits you who doesn’t have insurance or is underinsured. In these circumstances, this type of coverage can help cover repair costs to fix your car.
Although this type of coverage varies by state, if you are in a covered accident and unable to drive your car, this coverage reimburses you for the cost of a rental car, while your vehicle is being repaired.
Available in most states, this type of coverage covers the cost of towing and roadside labor. This benefit provides emergency roadside assistance for specific events, such as, flat tire, lockout, dead battery, or running out of gas.
This type of coverage provides a fixed payment to the insured motorist’s estate if there is a loss of life as a result from a car accident involving a covered vehicle.
All coverage types listed above are subject to various conditions, limitations, and exclusions, all of which are described in your car insurance policy. It is essential to read through your policy to learn how the above coverage types applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available 24/7 to help you customize your full coverage car insurance that gets you what you need at a price you can afford.