Full coverage car insurance, a term that’s often tossed around when people talk about auto insurance.  But often people don’t really know what a full coverage really is. Don’t just go by the name of the insurance alone. Let’s find out what this coverage really is and what it’s for.

There are several interpretations for a full coverage. What it’s not is a specific coverage that is provided by insurance companies. Your insurance agent isn’t just going to give you a full coverage checkbox that gets you a done deal. It’s a term that has a well-defined meaning in the insurance field.

Also, keep in mind that insurance providers don’t have a specific guideline that’s universal for full coverage. So what is full coverage?

Knowing the core groups

States in the U.S. have minimum auto insurance that is required for every car owner. This covers the basics like property damage and bodily injury liability.

Comprehensive coverage

Everything aside from a collision is covered in the comprehensive car insurance coverage. This includes but is not limited to, windshield damage, damage from natural disasters, hitting an animal, theft, vandalism, and more. This type of coverage should always be included in your full coverage car insurance.

Collision coverage

Collision coverage is the one that gives a wide range of protection against damages involving a vehicular crash or collision. Whether it be involving an inanimate object or another vehicle, this policy will cover you for repairs or be paid cash value. This is purchased separately from a comprehensive coverage.

Medical and personal injury coverage

This, of course, is one of the most important ones you should never forget. For the sake of your own safety and wellbeing.  There are promos and policies that include this to existing coverage. Make sure to make this one a priority, because your own life is irreplaceable.

A word of caution for extra coverages that aren’t automatically included

When you say you want a full coverage that doesn’t mean you’re going to immediately get all. Roadside assistance coverage may not be included in most policies and you need to specifically avail one. Don’t assume you are insured on one thing until you check if you really are.

Uninsured and underinsured driver

As a motorist or a vehicle owner, it’s important for you to understand and know all the insurance coverage available for you. Never make the mistake of looking over deals and coverages that will benefit your current situation. Beware of insurance agents that tick off some coverages without thoroughly explaining what it is you are dropping off.

Gap insurance

One example of coverage you need to request from an agent especially when you purchase a new car. If you request a full coverage don’t expect this one to be included unless you ask for it explicitly.

Coverage for towing

This one is commonly included in most full coverage for those getting one. Don’t be in a situation wherein you get stranded and your agent can’t do anything for you because you missed adding this one to your full coverage.

There are a lot more coverages to include out there. A full-coverage makes sure you are insured in every scenario you can think of. Is it necessary? Not really but if you want to feel completely safe operating your vehicle then look into coverages that you will likely make use of.

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