When it comes to what does a full coverage auto insurance cover, there are many different types of policies and also different levels of coverage. Most insurance companies in the United States have at least one type of policy that they offer. These basic policies all cover a wide variety of aspects that can have an affect on your car insurance costs.
Bodily Injury is probably the most common coverage offered. It covers any injuries that occur to you or anyone else in an accident. You will be covered for pain and suffering, as well as lost wages, if you are involved in a vehicle accident. Some policies will cover emotional pain and suffering as well. The type of coverage that you choose depends upon your personal needs.
Comprehensive coverage is just as it sounds. It covers any damages that happen to your car other than bodily injury. There are many types of comprehensive coverage, such as theft protection and liability coverage. Each of these policies will help to reduce the cost of repairs to your car.
Roadside Assistance is designed to help protect you in the event of an accident. If your car has been damaged in a crash, the insurance company will pay for any repairs that need to be made to your car. They will also tow your car to a shop for repairs. This insurance is also helpful if you ever have to make a claim on your policy.
Collision and Comprehensive coverage both come with deductibles. The deductible is the amount of money that you would have to pay out of pocket before the insurance company would start paying off on any claim that you had filed. If your car was damaged in an accident, the deductible will be your responsibility to pay before the insurance company pays off. Both of these policies will also have limits on the amount of money that you can be held accountable for. These limits are also the maximum that your insurance company will pay out on a claim.
When you are looking at what does a full coverage auto insurance cover, there are several different policies that you can choose from. Some companies may cover your car completely up to a certain point, while others only will cover a specified amount of expenses. The premiums that you pay for these policies will depend on the coverage that you want. For instance, collision policies will cost more than comprehensive policies. There are many different factors that go into determining what the right policy is for you. Knowing what you need the coverage for will help you get the coverage that you need at the best price available.