Is Your Auto Insurance Covering You “Full”?

Auto Insurance

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Many people say or think they have “full coverage” on their auto insurance, but do you? First of all, if you are reviewing your insurance with your agent or getting a new quote, don’t say “full coverage”. That is too ambiguous and means different things to different people. So, here is a quick Auto Insurance 101 to inform you of some of the different coverage available on a policy:

1) LIABILITY- covers bodily injury or property damage you are liable for
2) UNINSURED MOTORIST- protects you and your vehicle from damage caused by an uninsured motorist
3) MEDICAL PAYMENTS- covers medical bills for you and anyone in the car with you, regardless of fault
4) COMPREHENSIVE- covers your insured auto for fire, theft, vandalism, glass breakage, hitting an animal, or weather damage
5) COLLISION- covers your insured auto from collision with a vehicle or object
6) TOWING/ROADSIDE ASSISTANCE- reimburses tow expenses
7) RENTAL REIMBURSEMENT/LOSS OF USE- reimburses or pays for the cost of a rental car as a result of an accident in your insured auto

Always make sure you know what you are paying for and make sure your policy is meeting your needs.

-Andy Holliday

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