What is Full Coverage? Understanding your Car and Auto Insurance Policy
Do you know what the term "full Coverage" actually means when it comes to your Car or Auto Insurance policy? The truth is that "full Coverage" is a very loose term that does not have an exact definition. Insurance companies do not offer a full Coverage option for you to pick. The term full coverage is generally associated with comprehensive coverage and collision coverage but can be interpreted many ways.
State Minimum Requirements
Every state in the U.S. has the ability to set its own state minimum requirements for auto insurance. In the State of Florida The state minimum requirements includes 10,000 per person and 20,000 per accident for bodily injury liability and 10,000 in Personal Injury Protection.
Physical damage for all the things that can happen to your vehicle other than a collision are covered by comprehensive coverage. Full coverage cannot be possible without comprehensive coverage.
Collision is the coverage that gives you the broadest coverage and is always included in full coverage auto insurance. Collision coverage ensures your vehicle will be covered regardless of what causes the damage. Collision covers damage for all accidents and since collision cannot be purchased without comprehensive coverage anything other than an accident will still be covered.
Additional Coverage that is not necessarily included with Full Coverage
Car Rental Coverage
To be sure you are fully protected from every scenario it is a good idea to talk with you agent and ask him to explain what you policy covers and what optional coverages are available.
If you would like one of our agents to review your current coverage and advise you of your options give us a call at 1-800-252-6885. We would love to speak with you and also see if there are better options available for you and your family.
Greene & Associates Insurance
417 SW Baya Ave
Lake City, FL 32025
Local Number 386-755-1122
Toll Free 1-800-252-6885