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What Does Full Coverage Auto Insurance Cover

Full Coverage Auto Insurance Cover Many think they carry “full coverage” on their car insurance policy; however, in reality there is no such thing as full coverage auto insurance. A full coverage policy is typically one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident.

What does full coverage auto insurance cover

full coverage auto insurance cover policy (liability, comprehensive and collision, uninsured motorist and medical coverage) should cover:

  • The damage you do to others, such as up to your liability limits.
  • Your car, up to its fair market value, minus your deductible, if you are at fault or the other driver does not have insurance or if it is destroyed by a natural disaster or stolen.
  • The injuries and those of your passengers, if you are at fault, up to the amount of your medical coverage.
  • Your injuries and yours of your passengers, if you are hit by an uninsured motorist, up to the limits of your uninsured motorist policy.

Typical comprehensive and collision policies won’t cover:-

  • Freezing
  • Wear and tear
  • Mechanical breakdown (often an optional coverage)
  • Tire damage
  • Items stolen from the car (those may be covere by your homeowners or renters policy, if you have one)
  • A rental car while your own is being repaire (an optional coverage)
  • Electronics that aren’t permanently attache
  • Custom parts and equipment.

Typical full coverage auto insurance won’t pay for:-

  • Racing or other speed contests
  • Off-road use
  • Use in a car-sharing program
  • Catastrophes such as war or nuclear contamination
  • Destruction or confiscation by government or civil authorities
  • Using your vehicle for livery or delivery purposes; business use
  • Intentional damage.

What does full coverage auto insurance cover:-

  • Liability Insurance, which covers costs for to the other party’s injuries and repairs in the event of a covere accident in which you’re found at fault.
  • Collision insurance, which can cover damage to your vehicle if you are found at fault in a collision, but it does not cover the other party’s vehicle or anyone’s injurie.
  • Comprehensive insurance, which covers certain damages to your vehicle that are not cause by a collision with another car.

How much is full coverage insurance:-

Full Coverage Auto Insurance Cover don’t offer “full coverage,” but you can still build a dependable auto insurance package that protects you in the event of many incidents on and off the road. Naturally, the more coverages you select, the higher your monthly bill. However, there are still plenty of variables that affect your insurance costs, including:

  • Your age
  • The kind of car you drive
  • Your location
  • The policy type(s) you choose
  • Your deductible
  • The policy limit(s)
  • Your driving record

Talk to an Attorney About Your Auto Insurance Coverage Issues

Understanding your auto insurance policy can be a challenge. If you are struggling with an existing car insurance claim or just want to make sure you’re properly protect, it’s a good idea to speak with an experience attorney.

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