Call Us (409) 943-5555 Text Us Now Google maps ☰ ˟
Logo
Social
  • Home
  • Get A Quote
    • Auto
    • SR-22
    • Surety Bonds
    • Mexico Travel
    • Motorcycle
    • Home/Renters
  • Products
    • Auto
    • SR-22
    • Surety Bonds
    • Mexico Insurance
    • Motorcycle
    • Home/Renters
  • Make A Payment
  • Refer a Friend
  • About
    • You Know Us
    • Testimonials
    • Insurance Glossary
    • Privacy Policy
  • Contact
    • Contact Us
    • Location
    • Join Our Team
    • Join Our Newsletter
  • Blog
Auto Auto SR-22 SR-22
Motorcycle Motorcycle
Renters Home/Renters
Surety Bonds Surety Bonds Mexico Insurance Mexico Insurance
Home > Blog > Do You Have Full Auto Insurance Coverage? What Does This Mean?
MONDAY, SEPTEMBER 24, 2018

Do You Have Full Auto Insurance Coverage? What Does This Mean?

Family in front of car

Have you heard you need to have full auto insurance? The term full coverage does not relate to a specific type of policy. Rather, it applies to the type of perils for which your policy provides protection. Why is this important?

Most car owners should consider the value of full car insurance. It can help to minimize any financial risk you face when on the road.

What Is Full Coverage?

Full coverage means you have complete protection for your car, up to what is possible. The amount and details of your policy may differ from one company to the next. However, most policies cover the following:

  • Liability insurance: This type of coverage protects the driver from claims made by other people. It may cover the damage to another person’s car or meet their medical bills if you are responsible for a wreck. Liability insurance does not protect your car or pay for your losses.

  • Comprehensive insurance: This coverage minimizes your risks associated with perils you cannot predict or avoid. This includes things like fire, theft, vandalism, and falling objects. Storm damage may have coverage here. Comprehensive coverage is not a requirement. However, it can be beneficial to those with a valuable vehicle.

  • Collision insurance: If you collide with any object, collision insurance may help. It offers some protection to pay for the damage to your car. It may also help cover some medical bills related to the incident. Keep in mind, if someone else causes the wreck, you might be able to use their liability coverage in its place.

  • Medical Payments Insurance: This tends to be an optional type of insurance. It helps to pay out if you are in an accident with medical losses. It can help cover medical costs for your passengers as well.

  • Underinsured and Uninsured Insurance: Sometimes, another driver causes damage to your car. However, this driver lacks enough (or any) liability coverage to pay for the damage. In this situation, this type of insurance can help minimize your out-of-pocket losses.

Full coverage is an important consideration. If the value of your car is high, having more auto insurance is necessary. It can give you the peace of mind you need when on the road. However, if you have a low-value car, you may not need complete protection like this. Work with your insurance agent.

Determine which policy is right for your unique needs and your budget. Your Texas City auto agent can help you choose the most appropriate policy and coverage limits.

Posted 5:02 PM

Tags: insurance, car insurance, full coverage, liability coverage, comprehensive, collision, medical payment, undersinsured, uninsured, texas city
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017

  • insurance(26)
  • auto insurance(17)
  • texas city(16)
  • home insurance(7)
  • texas(5)
  • car insurance(4)
  • sr-22(2)
  • comprehensive coverage(2)
  • teen drivers(2)
  • distracted driving(2)
  • mold(1)
  • learners drivers(1)
  • bad weather(1)
  • holidays(1)
  • comprehensive(1)
  • broken railings(1)
  • flood insurance(1)
  • conversation starters(1)
  • crime rates(1)
  • tort or no fault?(1)
  • texas ciy(1)
  • liability insurance(1)
  • independent agent(1)
  • tx(1)
  • collision coverage(1)
  • liability coverage(1)
  • senior citizens(1)
  • usage base auto insurance(1)
  • investment(1)
  • new years resolutions(1)
  • homeowners(1)
  • speeding(1)
  • flood damage(1)
  • insurance industry(1)
  • driverless cars(1)
  • compare auto insurance rates(1)
  • crime prevention(1)
  • senior drivers(1)
  • collision(1)
  • pay per mile(1)
  • broken steps(1)
  • traffic citation(1)
  • medical payment(1)
  • liability(1)
  • car accidents(1)
  • right coverage amount(1)
  • safety tips(1)
  • invisible dog fences(1)
  • pet damage(1)
  • cracked driveway(1)

View Mobile Version
Your Auto Insurance Agency Since 1999 Happy Holidays
Quick Links
Home
Get A Quote
Payment Options
Join Our Team
About Us
Location
Blog
Contact Us
Location 2228 Palmer Hwy
Texas City, Texas 77590

Call Us: (409) 943-5555
Text Us: (409) 943-5555
Email Us