When Does Full Coverage Auto Insurance Make Sense?

Just about everyone has a healthy fear of having car problems – and not having the right coverage you need to address that problem. People buy auto insurance, but they get anxious, worrying that there’s some loophole in their coverage that they need to fix. This anxiety is quite possibly the source behind the myth of “full coverage auto insurance,” a mythical policy that basically covers anything and everything that could happen to your car. The reality is, there is no such thing as full coverage auto insurance. There are, however, some basic coverage options that come close to fulfilling the dream of full coverage auto insurance.

When you get car insurance, you should be sure to get the two principal stalwarts of auto insurance: comprehensive coverage and collision coverage. Comprehensive coverage will result in your auto insurer picking up the tab for damages done to your car by anything other than an accident, such as theft or vandalism. Having collision insurance means your car insurance will pay for damages done to your car by colliding with another object, like a car, or a tree.

Other car insurance policies that will help to protect your car include uninsured motorist coverage. If you have uninsured motorist coverage, and you get into an accident with a driver who has no auto insurance, your insurance company will pick up the bill (minus your deductible, of course) for the damages if the uninsured motorist is at fault.

There are numerous other additions to your car insurance coverage you can make that will make you more protected, but again, there is no such thing as full auto insurance coverage. To learn more about the auto insurance policy that’s best for you, be sure to meet with a qualified auto insurance broker and go over your needs and circumstances in as much detail as possible.