What To Know About Full Coverage Auto Insurance

Are you shopping around for auto insurance and interested in getting full coverage insurance? You should understand that full coverage auto insurance is not something you can buy, since it is a commonly used term that means you are getting every possible policy that can protect you if you were involved in a car accident. That's why it will help to know what key policies you need to be completely covered.

Bodily Injury Coverage

The most important kind of coverage you can get when you want to be completely covered is bodily injury coverage. This is a type of insurance that will pay for the bodily damages that you cause to another driver if you are found to be at fault in an accident.

However, it's important to know that there is a wide range of bodily injury coverage that you can purchase. You'll want to look at the maximum amount of coverage per person that you injure, as well as the total amount that will pay out per accident. Anything beyond those limits you would be responsible for paying if you were to be sued by the other driver or their passengers.

Personal Injury Protection Coverage

Personal injury protection coverage is a bit different than bodily injury coverage since it is going to protect you if you were to be involved in an accident that you or someone else is responsible for. There is a limit to how much money personal injury protection coverage will pay out, but it goes far beyond your medical bills. It will pay for all losses related to that injury up to the policy limit. For example, you may have medical bills, lost wages from work, durable medical goods, medication, and things of that nature that come out of your pocket.

Comprehensive and Collision Coverage

Two additional policies that often go together are comprehensive and collision coverage. Comprehensive will protect your vehicle from incidents out of your control when your vehicle is parked. This includes vandalism, theft, and natural disasters. Collision coverage will help reimburse you for damages to your vehicle when you are at fault for causing an accident, either by hitting another driver or an object. Both policies work together to help ensure that your vehicle will be repaired or replaced in any situation.

Reach out to an auto insurance company for more information about what you need to be fully covered in an accident.