Are you looking for full coverage car insurance for your new or new to you vehicle? Full coverage car insurance is a term that is used to describe an insurance package that protects you regardless of who was determined to be the at-fault driver. However, full coverage auto insurance policies are considered customizable policies, and as such, there’s no specific product offered. Instead, individual drivers can choose the best coverages for their needs.
Typical Choices for Full Coverage Auto Insurance
Most drivers who want full coverage auto insurance choose liability, comprehensive, collision, roadside assistance and rental car coverage with higher than average limits and deductibles they can always afford.
- Liability – Required by law in most states. Pays for the not-at-fault driver’s injuries and car repairs or replacement up to the limits of the policy.
- Collision – Pays for the policy holder’s car repairs or replacement costs up to the determined market value of the vehicle just before the collision. At-fault status does not determine whether or not collision insurance pays for the repairs. This coverage typically has a deductible between $100 and $1,000 that must be paid before any repairs.
- Comprehensive – Pays for non-driving related damage. This policy may cover certain types of animal and weather damage, as well as a vehicle fire, theft of the vehicle, and vandalism to the vehicle.
- Underinsured and Uninsured Coverage – If a driver who has extremely low liability insurance limits or no insurance coverage hits your vehicle, your underinsured and uninsured auto insurance coverage may pay for the repairs and/or replacement of your vehicle up to the market value of your car just before the collision.
- Roadside Assistance – If you experience a flat tire or sudden mechanical problem with your vehicle and have to pull over to the side of the road, roadside assistance gives you a number to call so that you can get a tow truck. This coverage typically pays a certain amount of the tow truck fee.
- Rental Car Coverage – If your vehicle is in the repair shop for several days after your accident, rental car coverage may pay a portion of your rental car fees so that you can still get to and from work, school and/or errand running.
Additional Insurance Coverages You May Want to Consider
- Gap Insurance – If you are making payments on your vehicle or leasing a vehicle, gap insurance may be a good choice. This type of insurance is designed to pay the difference between the value of your vehicle at the time of the accident and the remainder of your lease or car loan if your vehicle is declared a total loss.
- Medical Payments Coverage – Medical payments coverage is designed to pay for the cost of medical treatment after your accident. Individuals who do not have insurance or who have high medical insurance deductibles may want to consider this car insurance add-on.
- New Car Replacement Insurance – New car replacement coverage may help you completely replace your vehicle if it is a recent model, usually less than two years old.
- Personal Injury Protection – PIP insurance is designed to help pay for medical expenses, lost wages, funeral expenses, and certain domestic services if you can no longer care for yourself while recovering from your vehicle accident.
When you get into a car accident, it’s important to have the right types of car insurance coverage so that you don’t find yourself burdened with high repair or vehicle replacement costs and medical expenses. Here at Anton Insurance, we can help you choose the right types of auto insurance coverage so that you are protected in the event of a collision.
To learn more about our auto insurance coverages at Anton Insurance, give us a call today at 920-623-9305.