Important Facts About Full Coverage Car Insurance and Help in Decision Making
When shopping for car insurance it helps to understand details.
Full coverage car insurance takes into account various scenarios and provides for each accordingly.
Let's take a look at what is recommended.
Bodily injury liability is required in most states.
With full coverage car insurance bodily injury is covered for other people injured in an accident.
Legal help is covered in case of a lawsuit.
Expenses covered include all medical services, medical comforts and loss of work.
Should a legal claim be placed against the policy holder there should be enough coverage to prevent loss of assets which can include savings, future wage garnishments and personal property.
Bodily injury coverage applies only to victims of an accident who are not on the policy.
Property damage liability covers anything the driver damages in an accident.
This can include the other driver's vehicle and any real property damaged.
It does not cover the policy holder's property damage.
Legal services are covered should the driver at fault be sued.
Just like bodily injury coverage - assets can be sought.
Full coverage car insurance should be secured to the limits of all possible scenarios.
Comprehensive coverage provides for damages to the vehicle as a result of acts of nature such as floods, as a result of hitting an animal or if the car is in a fire.
When a vehicle is financed this coverage is required.
This coverage is not required by states.
The age of the car is a big factor as to deciding whether or not to cover.
Deductible amounts are the what the driver pays toward damages and may be higher depending on the insureds ability to pay or if a vehicle of lower value is damaged.
Collision coverage takes care of any damage to the insured vehicle from an accident.
This damage may be another vehicle or another object.
The states do not require this coverage but lien holder's do.
Deductibles are based on what the driver can pay.
For older cars coverage may not be needed as coverage is limited to the value of the car.
Uninsured or under-insured coverage is for an bodily injury or death of the insured and all passengers in the insureds vehicle.
With full coverage car insurance this coverage takes care of expenses as a result of the other vehicle in an accident not being insured or not having enough insurance and the other driver being at fault.
Any damages beyond coverage will be the policy holder's responsibility.
Full coverage car insurance takes into account various scenarios and provides for each accordingly.
Let's take a look at what is recommended.
Bodily injury liability is required in most states.
With full coverage car insurance bodily injury is covered for other people injured in an accident.
Legal help is covered in case of a lawsuit.
Expenses covered include all medical services, medical comforts and loss of work.
Should a legal claim be placed against the policy holder there should be enough coverage to prevent loss of assets which can include savings, future wage garnishments and personal property.
Bodily injury coverage applies only to victims of an accident who are not on the policy.
Property damage liability covers anything the driver damages in an accident.
This can include the other driver's vehicle and any real property damaged.
It does not cover the policy holder's property damage.
Legal services are covered should the driver at fault be sued.
Just like bodily injury coverage - assets can be sought.
Full coverage car insurance should be secured to the limits of all possible scenarios.
Comprehensive coverage provides for damages to the vehicle as a result of acts of nature such as floods, as a result of hitting an animal or if the car is in a fire.
When a vehicle is financed this coverage is required.
This coverage is not required by states.
The age of the car is a big factor as to deciding whether or not to cover.
Deductible amounts are the what the driver pays toward damages and may be higher depending on the insureds ability to pay or if a vehicle of lower value is damaged.
Collision coverage takes care of any damage to the insured vehicle from an accident.
This damage may be another vehicle or another object.
The states do not require this coverage but lien holder's do.
Deductibles are based on what the driver can pay.
For older cars coverage may not be needed as coverage is limited to the value of the car.
Uninsured or under-insured coverage is for an bodily injury or death of the insured and all passengers in the insureds vehicle.
With full coverage car insurance this coverage takes care of expenses as a result of the other vehicle in an accident not being insured or not having enough insurance and the other driver being at fault.
Any damages beyond coverage will be the policy holder's responsibility.
Source...