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What does full coverage car insurance actually cover?

What does full coverage car insurance actually cover?

full coverage car insurance

Have you been thinking about investing in full coverage car insurance? If so, before starting this type of car insurance policy it’s best to know exactly type of coverage you’re actually getting with full coverage car insurance.

what is “full coverage”?

“Full coverage” isn’t a coverage in itself. It’s a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages.

Liability helps pay for damage you cause in an at-fault accident, while comprehensive and collision can help repair damage to your car (or replace it altogether).

It’s a robust package of protection, yes — but it might not provide all the protection you need. And that’s why “full coverage” can be misleading.

what “full coverage” doesn’t include

Car insurance companies offer a bunch of coverage types that fall outside the domain of “full coverage,” and many are worth considering.

Let’s take a quick look at a handful of coverages that tend to fall outside of “full coverage”:

  • Medical payments coverage — This coverage can help pay post-accident medical expenses for you and your passengers regardless of fault, and it can also step in if you exceed your health insurance limits.
  • Uninsured/underinsured motorist coverage (UM/UIM) — UM/UIM coverage helps pay for bills that the other driver’s policy should have taken care of, but can’t because of that driver’s low coverage limits or lack of coverage altogether.
  • Emergency road service coverage (aka roadside assistance or towing and labor) — A handy coverage to have if you’re not a whiz with a jack and a wrench or just need to get a wrecked car to the shop.
  • Customized parts and equipment coverage — If you’re the kind of driver who likes a custom sound system and chrome rims, “full coverage” won’t help you replace or repair them after an accident — but this coverage can.
  • Rental car coverage — This can reimburse your rental car expenses after a covered accident.
  • Gap coverage (aka auto loan/lease coverage) — If you’ve financed your car, gap coverage exists to help you pay off your auto loan if your car’s totaled when you still owe more than it’s worth.

“full coverage” is really more like “very good coverage”

Though full coverage provides a good amount of protection in terms of liability and the well-being of your car, it doesn’t mean that you won’t have to pay anything out of pocket after an accident.

If you opt for a “full coverage” policy, you’ll be covered up to the limits you select. If damage exceeds your liability limits, you could be legally liable for the difference (a good argument for higher limits).

Keep in mind, too, that any time your comprehensive or collision coverage kicks in, you’ll also need to pay the deductible.

you may need more than “full coverage”

If you’re in the market for a new car insurance policy and you’re looking for maximum protection, consider all of your coverage options above and beyond what “full coverage” typically includes.

The general rule of thumb: buy as much coverage as you can comfortably afford.

Get Car Insurance Here

For affordable car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

 

Need car insurance? Click here for a quote or call (541) 318-8835.
Central Oregon Full Coverage Car Insurance – Do You Need It?

Central Oregon Full Coverage Car Insurance – Do You Need It?

Are you thinking about choosing full coverage car insurance for your Bend Oregon family? You’re not alone. Full coverage car insurance is becoming increasingly more popular with Bend Oregon drivers because, it will protect any family if they get into a car accident on the roads of Central Oregon and with the coming fall and winter months, it’s more important than ever before for any driver in Central Oregon to choose full coverage car insurance.

Full Coverage Car Insurance Benefits

  • Full coverage for driver and all passengers – What better form of protection could you offer your passengers than full coverage car insurance? If you were to get in a Central Oregon car accident you can have complete confidence that you and all passengers in your vehicle will be protected and insured.
  • Protection for your personal belongings – Anything that’s in your vehicle at the time of the accident like a laptop, iPad, radio or other personal items will be insured at all times.
  • Immediate benefits – With full coverage car insurance you will enjoy an immediate pay out of your insurance benefits after an accident or if any items in your vehicle are stolen while it’s parked.
  • Hassle free windshield replacement – There may be a time when your windshield will need to be replaced due to a rock hitting it or worse and thanks to full coverage car insurance you can get your windshield replaced without having to pay any extra costs.
  • More value than other plans – Thanks to full coverage car insurance you will be able to enjoy the benefit of a free rental vehicle if your car or truck takes more than 24 hours to repair.

Save Money On Full Coverage Car Insurance Today

During this economy it’s more important than ever before for any Bend Oregon family to save money on car insurance and thanks to the great rates that we can offer you from Allstate, you will not have to even consider cutting back on car insurance again just to save money.

Contact the Farnsworth Allstate Agency today at (541) 318-8835 for a free car insurance quote. We look forward to the opportunity of earning your business!

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