Full coverage auto insurance for the most part refers to a combination of car insurance policies. There isn’t exactly such a thing as full coverage for your vehicle.
Coverages such as liability auto insurance are usually required by law to drive a car. Then you have optional coverages like rental reimbursement. Each insurance company has their own unique rules regarding this. Always check with a local agent to find out what is or isn’t required in your area.
Car insurance coverage options;
Liability auto insurance coverage
Auto liability is coverage that’s included in just about all auto insurance policies. Most states require it to drive.
Bodily injury liability coverage helps to pay for another persons medical expenses if you cause an accident.
Property damage liability coverage will help to cover damage you may have caused to another drivers property.
Every state has their own minimum amounts for liability coverage limits that they require drivers to carry. Liability coverage in your car insurance policy will have three limits;
- Maximum payment for bodily injury per person
- Maximum payable for bodily injury per accident
- Maximum payable for property damage
Please keep in mind, you can always go beyond the state requirements and purchase a policy with higher limits. If you get higher limits, you will also experience higher auto insurance premiums.
Comprehensive and collision auto insurance coverage
If you are financing your vehicle, more than likely the bank with want you to carry collision coverage and comprehensive auto insurance coverage. If you paid your vehicle off, you will have these two form of auto insurance as optional choices.
Collision auto insurance coverage
If your car is damaged in a collision, collision auto insurance coverage will help to repair or replace the vehicle. Collision auto insurance coverage is designed to protect your car. Property damage liability will help to pay for another drivers vehicle if you’re involved in an accident.
Comprehensive auto insurance coverage
Comprehensive coverage will help to pay for repairs of to replace your car if it’s stolen or damaged by covered perils such as hail, animal damage, or vandalism.
Both comprehensive and collision coverage have deductibles and limits. The deductible is the amount you pay when you file a claim. The limit is the amount you’re covered for. Both of these things affect the auto insurance rate you get.
Rental reimbursement auto insurance coverage
Rental reimbursement coverage will help to pay for a rental car if your vehicle is being worked on due to a covered peril. You will want to check your coverage limits but usually rental reimbursement will pay up to a certain amount per day, for a set amount of time.
Uninsured motorist and underinsured motorist coverage
Uninsured motorist auto insurance coverage will help to protect you from drivers that do not have auto insurance. If you happen to be involved in an accident caused by another driver, the driver of the other cars liability coverage will cover your medical costs. Unless the other driver doesn’t have auto insurance. If this is the case, uninsured motorist coverage will help to cover your expenses from the accident.
Underinsured motorist auto insurance coverage is very similar. If another driver causes an accident and their liability coverage does not cover the damages you incur, if their liability limits are too low it should make underinsured motorist coverage active.
Medical payments coverage / personal injury protection
Medical payments coverage will help to pay for medical expenses after an accident. You should receive coverage regardless of who is at fault. The expenses covered can include things such as surgery and x-rays.
Personal injury protection (PIP) is an auto insurance coverage that is not available in all states. Although, some states require it. PIP is very similar to medical payments coverage. It will help to pay for your medical expenses.
If you have additional questions regarding auto insurance El Dorado Hills, please give us a call at 916 313 6100