Full Coverage Auto Insurance

Full coverage is a term that is sometimes used by insurance carriers or agents to describe auto insurance coverage that goes beyond the basic, state mandated, coverage. Since there is no legal definition of full coverage, exactly what it covers may vary from carrier to carrier, so be sure you understand what you\'re getting.

In most states, you are required to have a minimum level of liability, and in some states, a minimum level of property damage coverage. Liability coverage protects you for bodily injury or the deaths of other people, when you are at fault. Property damage covers you if you damage someone else\'s property, such as their car or fence.

The limits set by the states are usually very low and will not provide much coverage if you are at fault in accident. This could leave you with very large bills to cover on your own.

Full Coverage Auto Insurance: Above and Beyond Basic Liability and Student

Full coverage goes beyond the mandated levels and usually includes much higher liability and property damage limits. It usually covers you for collision, damage caused when you collide with another car or another car collides with you, and comprehensive, which covers your auto for damage due to theft, vandalism, or glass breakage.

Other components of full coverage may include uninsured/underinsured motorist bodily injury and property coverage. This protects you if you are in an accident caused by a motorist who has either no or inadequate insurance to cover the damages.

To complete full coverage, you can add other provisions such as Personal Injury Protection, Medical payments, Towing and Labor and even Loan/Lease Gap coverage, to cover the difference between the cash value of a leased car and your remaining payments. If you\'re a student looking for cheap auto insurance, watch out. These plans can sometimes to extremely limited as to what they cover. When in doubt, go for full coverage.

Author: Sanford Ellowitz