Although “full coverage auto insurance” is a popular term, there’s no insurance out there that’s labeled just as that. Rather, full coverage car insurance is made up of different insurance types, meant to offer you more than adequate auto insurance for the vehicles you insure.
In total, there’s several types of coverage for your vehicle and you.
Personal Auto Insurance Coverages
- Bodily Injury Liability: If you’re to blame for an auto accident and you hurt someone, this specific coverage may help pay their bills, as well cover their loss of income from missing work due to the injury.
- Uninsured Motorist: If you’re hurt in an accident or your vehicle is damaged by someone that doesn’t have car insurance, this type of coverage can cover your losses.
- Underinsured Motorist: This type of coverage helps protect you just in case of an accident by someone who doesn’t have adequate car insurance.
- Property Damage Liability: If you caused an accident, this can help protect you if you hit someone’s vehicle or damaged their property.
- Personal Injury Protection: Also called PIP coverage, this type of personal auto insurance coverage can help protect you in case of an accident.
- Medical Payments: Sometimes referred to as Med Pay, this coverage helps protect you and your passengers from medical cost caused by a vehicle accident.
Vehicle Auto Coverage
There’s also a few different types of vehicle coverage you can get.
- Collision: No matter who’s at fault, collision may pay for damages to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.
- Comprehensive: Sometimes called “other than collision,” this specific type of vehicle coverage can help pay for damage to your vehicle from theft, vandalism, weather events and accidents that involve animals.
- Full Coverage: While this term is loosely thrown around, there is no policy called “full coverage auto insurance.” Instead, you can build an auto insurance package that covers you in many ways by combining comprehensive, collision and liability insurance into one overall insurance package.
- Rental Car Expense: This coverage would give you access to a rental car or other transportation while your vehicle is being repaired at the shop after a covered accident. This coverage may also be referred to as “loss of use” or “transportation expenses.”
- Gap Coverage: If your car is ever deemed a total loss after an accident, GAP coverage may end up paying the difference between the actual cash value of the vehicle and what you owe on the lease or auto loan.
- Towing And Labor Coverage: This coverage can help when your car is stuck, broken down or inoperable due to an accident.
Special Vehicle Coverages
- Accident Forgiveness: This popular vehicle coverage allows you to avoid rate increases because of your first at-fault accident or minor violation on your policy.
- Vanishing Deductible: While different insurance companies vary with this type of coverage, the basics are you will earn $100 off your deductible for each year of safe driving, up to a total of $500. Your deductible could vanish completely.
- Total Loss Waiver Deductible: Have the physical damage deductible (comprehensive or collision) waived in the event of a total loss.
- Roadside Assistance: Get 24/7 emergency help if you need fuel, a tire change, a jump-start or a tow.
Make Sure You’re Applying Your Discounts
As you can see, there’s a number of different auto insurance coverages you have available. Even better, there’s a lot of great auto insurance discounts you can apply for too.
Ready to learn how much we can save you on your insurance? Give us a call today at 1-303-623-1997 to get started or fill out our form for a free insurance quote. Either way, we’ll help you browse through multiple insurance policies at once until you find exactly what you need.