Do you know what the term "full Coverage" actually means when it comes to your Auto Insurance policy?
The term is actually incorrect but no auto insurance policy gives full coverage. Two examples are you have a deductible on your auto insurance of which you pay this first before the insurance pays. Second is the physical damage coverage is usually actual cash value and not replacement cost coverage. The term full coverage is generally associated with whether the policy has comprehensive coverage and collision coverage as well as roadside assistance and rental car coverage.
What is Comprehensive or Other than Collision Damage coverage?
Physical damage for all the things that can happen to your vehicle other than a collision are covered by comprehensive or other than collision coverage. Full coverage cannot be possible without comprehensive coverage.
Collision is the physical damage coverage to your vehicle when your vehicle is involved in an accident
Additional Coverage 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 your 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 281-558-2210 . We would love to speak with you and also see if there are better options available for you and your family.
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