affordable full coverage auto insurance

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a type of insurance that provides comprehensive protection for your vehicle and yourself in the event of an accident. It includes liability coverage, which protects you from financial responsibility for injuries or property damage caused to others, as well as coverage for your own vehicle, regardless of who is at fault.

Full coverage auto insurance typically includes the following types of coverage:

Liability Coverage

Liability coverage protects you from financial responsibility for injuries or property damage caused to others in an accident. It is required by law in most states.

There are two types of liability coverage: bodily injury liability and property damage liability. Bodily injury liability coverage pays for medical expenses and other damages if you injure someone in an accident. Property damage liability coverage pays for damage to property, such as vehicles or buildings.

Collision Coverage

Collision coverage pays for damage to your own vehicle if you are involved in an accident with another vehicle or object, regardless of who is at fault.

Collision coverage is not required by law, but it is highly recommended. It can help you protect your investment in your vehicle.

Comprehensive Coverage

Comprehensive coverage pays for damage to your own vehicle caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.

Comprehensive coverage is not required by law, but it can provide valuable protection for your vehicle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you from financial losses if you are involved in an accident with a driver who does not have insurance or who has insufficient insurance to cover your damages.

Uninsured/underinsured motorist coverage is not required by law, but it can provide peace of mind.

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers, regardless of who is at fault in an accident.

Medical payments coverage is not required by law, but it can help you cover medical expenses that are not covered by your health insurance.

Personal Injury Protection (PIP) Coverage

Personal injury protection (PIP) coverage pays for medical expenses, lost wages, and other expenses if you are injured in an accident, regardless of who is at fault.

PIP coverage is required by law in some states.

Gap Insurance

Gap insurance pays the difference between the amount you owe on your vehicle and the amount your insurance company pays if your vehicle is totaled or stolen.

Gap insurance is not required by law, but it can help you avoid being upside down on your loan if your vehicle is totaled or stolen.