Full coverage auto insurance pays for every possible eventuality after a road traffic accident. This can include financial liabilities to third party drivers, medical costs and damage to vehicles. There are also a number of policy features that offer protection if you are hit by an uninsured or underinsured driver. This article highlights some of the more common full coverage auto insurance features.
Liability coverage offers protection against any claims made against you for injuries sustained to third party drivers, their vehicles and their property. Most states have minimum liability requirements but these should be increased wherever possible.
Personal Injury Protection
Personal Injury Protection is an integral part of full coverage auto insurance quotes and covers the cost of medical treatment for the policyholder and their passengers in the wake of a road traffic accident. Road users who already have medical insurance may wish to negate this particular feature.
Collision and Comprehensive Insurance
If a road user is found to be at fault in a road traffic accident, collision coverage will pay for the cost of repairs to their vehicle while liability coverage will pay for the repair of vehicles owner by third party motorists. Comprehensive coverage offers protection against fire, theft or acts of nature such as flooding, hail or other adverse weather conditions.
Uninsured Underinsured Motorist Coverage
Uninsured/underinsured motorist insurance pays for medical fees and repairs to your vehicle or property if you are hit by an uninsured, underinsured or hit-and-run driver. This is excellent coverage to carry, especially if you live in states where there are a large number of uninsured or underinsured drivers.