What Does Full Coverage Auto Insurance Really Mean?

Car driving fast in tunnelFull Coverage Auto Insurance

When looking for the right auto insurance policy, many insurance companies will recommend full coverage to best protect your car. However, do you really know what full coverage means? Knowing what is included in a full coverage auto insurance policy can help to make sure that you have the protection that you deserve while on the road.

While liability coverage is the only car insurance coverage that is required by law, there are many other coverage options that you can add to your policy that will provide full coverage. Adding comprehensive and collision coverage to your existing liability insurance will help to keep you financially protected in case of any accident that you run into while behind the wheel.

Since liability insurance is the only coverage that is required by law, many drivers assume that it is the only coverage that you need. However, just one single accident can lead to hundreds of thousands of dollars in damages. From vehicle damage to medical bills, the coverage that is provided by your liability insurance policy will most likely not be enough coverage for a large accident, which is why it is important to invest in additional coverage options.

Even if you invest in every coverage option that is provided by your auto insurance company, there are some situations that your car insurance will not provide coverage for, including:

  • Off road use
  • Racing
  • Car sharing programs
  • Intentional damage
  • Using your personal vehicle for business purposes

For all for your auto insurance coverage needs, contact the insurance professionals at Desert Empire Insurance in Palm Desert, California. As an independent insurance company, we will work with you to make sure that you have the right amount of protection for your specific needs, all at the right price to fit your budget.