Full coverage insurance consists of the following:
Liability: The base requirement of most state minimum insurance standards, liability covers the other party’s injuries or property damages if you cause an accident. Note, however, that no-fault states do not require liability, and instead typically require PIP coverage.
Collision: Regardless of who is at fault, this will cover you in the event of a collision, whether it’s with another vehicle or with a roadside object, including trees or buildings.
-Comprehensive: Comprehensive coverage protects you in the event of any non-collision accidents. This might include damage from a fire, a flood, theft, or vandalism.
Having full coverage means added financial protection in the event of an accident, regardless of the cause. It is far more protective and reliable that any state minimum insurance requirements, which often only include a basic level of liability insurance. While choosing liability-only coverage will save you money on your premiums, having full coverage could save you from financial ruin in the case of a serious accident.
Despite the name, however, full coverage is not all-encompassing. There are several other types of insurance or add-ons you can select when purchasing car insurance. Here are just a few of the options:
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