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What Does " Full Coverage" Mean on Auto Insurance?


Having a full coverage auto insurance policy doesn't mean you have full protection no matter what. Depending on your circumstances, it may even mean you don't even have good enough protection. Instead of relying on a “full coverage" policy, ask yourself what coverage and limits best meet your needs.
While there is no car insurance coverage that goes by the name “full coverage," most individuals think of full coverage as a policy that combines the following:


Even with this, the details and amount of protection will vary by the company issuing the policy. You need to ask about the details and read the fine print carefully.
There are numerous other types of car insurance coverage that will offer you additional protection in case of an accident or other unfortunate situation.
Consider adding one or more of the following insurance coverages to your policy if you are looking for a very comprehensive car insurance policy:
  • Uninsured motorist protection – This helps you cover your costs if you get hit by a driver with no insurance.
  • Underinsured motorist protection – This will help pay your costs if the other driver has insufficient insurance coverage and/or coverage limits.
  • Medical payments coverage – You can use this coverage to pay for your medical costs after a car accident, even if you were at fault.
  • Rental reimbursement – If you're in an accident and your car is in repair, this coverage can cover your rental costs while you wait.
  • Emergency road service – You can use this coverage if your car breaks down on the road and you need towing or labor.
  • Customized parts and equipment – If you've enhanced your vehicle with expensive equipment, this coverage will help you with the cost of damages to your custom parts.
  • Gap insurance – If your car is totaled in an accident, this coverage helps pay the balance between the amount you owe on your loan or lease and the car's estimated actual cash value.

  • Take a look at your own personal needs, your vehicle, and your budget to determine what will work best for you. Once you have an idea of what car insurance coverages you need, give us a call at (210)722-8220 or get a quote online to create a policy that you feel offers comprehensive protection and peace of mind.

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