Full coverage auto insurance is a combination of comprehensive insurance, collision insurance, and liability insurance. It is designed to protect the policyholder and their vehicle against any accidents or other events that cause damage, regardless of fault. It also covers other people's injuries and property damage when the policyholder is at fault. Nowadays, auto insurance liability and property damage (PD) coverage is a legal requirement in most states.
Most people understand that they need BI & PD, but they don't know how to determine how much coverage they need. Comprehensive insurance covers any damage to your vehicle caused by events other than a collision, such as theft, vandalism, fire, hail, or flooding. Collision insurance covers any damage to your vehicle caused by a collision with another vehicle or object. Liability insurance covers the costs of any bodily injury or property damage you may cause to another person in an accident. It's essential to be informed about what different insurance policies cover so that you can choose the right combination of coverage for you. Full-coverage car insurance provides peace of mind knowing that you are protected against any unexpected events.
