Although there is no exact, one, full coverage auto insurance policy that you can buy, it is a term used to refer to a combination of state required vehicle insurance and physical damage coverage.

Typically, full coverage auto insurance is used to refer to physical damage liability.  This is liability that covers bodily damage to your vehicle.  There are two aspects of physical damage coverage and this includes collision and comprehensive coverage. Collision coverage will take car of costs if your car collides with another object or during an accident.  Comprehensive coverage takes car of your costs if you car is broken into, or glass breaks or even damages incurred by general vandalism.  If you are financing or leasing your car, your lien holder will require your vehicle have full coverage auto insurance.

In addition to comprehensive and collision insurance there are other options to add to your policy in order to get as full a coverage as you possibly can.  These options may include Towing and Roadside assistance, this is helpful if your car breaks down and you need to move it, this is usually a 24 hour service.

If your car is in the shop getting repairs due to an accident if you have Rental Reimbursement your insurance policy will pay for some of the rental costs of a drivable car.  If you are in an accident with an uninsured vehicle and you have Uninsured Motorist Coverage this will pay for damages done to your vehicle as well as any personal injury costs of the driver and passengers of the insured car.

If you are looking to purchase full coverage auto insurance make sure you do your research on different companies and policies before making your decision.  There are many tools for you to make an informed decision regarding your full coverage, such as using the internet or calling insurance companies directly.

Filed under: Auto Insurance Articles

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