If you’re a driver, protecting your vehicle is likely a top priority. Having the right auto insurance can help get you back on the road after an accident. But, with numerous options on the market, how do you know what insurance is suitable? For the most robust protection, consider full coverage auto insurance.
What Does Full Coverage Mean? 
Auto insurance policies can vary in terms of coverage offerings. Common coverage may include the following, among others:
- Auto liability insurance can help cover damage or injury you cause to others, often separated into bodily injury liability and physical damage liability coverages.
- Collision insurance can help pay for damage to your car after an accident.
- Comprehensive insurance can help pay for noncollision damage to your car, such as theft or vandalism.
- Uninsured/underinsured motorist insurance may help pay for damage to your car caused by an inadequately insured driver.
- Guaranteed asset protection (GAP) insurance can help pay the difference between an outstanding car loan and what the vehicle is worth after it’s totaled in an accident.
When you purchase an auto insurance policy, you can usually choose which types of coverage to include. For instance, some people may opt only for liability insurance to meet legal requirements, leaving their own vehicle exposed to costly claims.
Full coverage auto policies go a step further. They combine liability insurance, collision insurance, comprehensive insurance and potentially other coverages into a single, well-rounded policy. In basic terms, if you want maximum protection, full coverage auto insurance is usually the way to go.
Do I Need It?
Whether you need full coverage auto insurance depends on your circumstances. If you have a car loan, your lender may require this level of coverage. Even if you own your car, full coverage can be a wise investment to help ensure you’re covered from most risks on the road.
Discuss your needs with The Insurance Station and we can recommend coverage options. Contact us today.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.