Full coverage auto insurance is essential for car owners. Accidents, collisions and other loss-causing events can occur at any time and may result in significant expenses. Full coverage auto insurance can provide financial protection against various incidents. Selecting the right policy can be difficult, but the Amador Insurance agents are here to help facilitate the process.
What Is Full Coverage Auto Insurance?
The definition of full coverage auto insurance varies, but generally it refers to a policy that car owners get to protect themselves from incidents involving auto-related liabilities or property damage to their vehicle. States insurance requirements vary, and laws may mandate liability insurance, uninsured/underinsured motorist coverage and/or personal injury protection (PIP), but full coverage auto insurance offers additional financial protection against unforeseen accidents.
Auto insurance works like most insurance policies. You pay a premium to your insurance provider in exchange for financial protection after a covered accident. Although it is often more expensive than securing just the minimum required insurance, full coverage auto insurance can significantly reduce potential out-of-pocket accident expenses.
What Does Full Coverage Auto Insurance Include?
Policies vary among car owners, but full auto insurance tends to include coverages that are required by your state’s laws (e.g., liability insurance, personal injury protection (PIP), medical payments (MedPay) coverage and uninsured/underinsured motorist coverage) as well as collision insurance and comprehensive insurance.
Full coverage auto insurance policy options may vary depending on your state. Reach out to one of the agents at Amador Insurance to learn more about selecting the right coverage options for your policy.
Do I Need Full Coverage Auto Insurance?
Full coverage auto insurance is generally not required coverage. In Texas, drivers must carry liability insurance and be offered PIP by their insurer. However, some lenders may require you to carry full coverage insurance if you financed your vehicle and have yet to pay back your loan. Regardless of coverage requirements, having full coverage can help limit your chances of covering high expenses out of pocket after an accident. Covering costs after a car accident may be challenging without insurance.
Get Covered Today
If you are a car owner near Dallas, Texas, the dedicated agents at Amador Insurance are here to help. Our agency can help you learn more about full coverage auto insurance so you can decide on a policy for you and your car.
For more information, call us today at 214-942-7979 to get a quote on a policy.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.