Choosing the most appropriate auto insurance for your vehicle isn’t always simple, but it’s essential to get it right. Terms can be confusing, and some companies refer to coverage by different names. There are several types of coverage most drivers should consider, including full coverage and liability coverage. Let’s break them down.
If you need auto insurance in California, our team at Crown Reinas Insurance Agency is ready to help. Consider the following details about these policies and how they work.
What Is Full Coverage?
The term "full coverage" refers to a bundle of individual policies that work together to provide protection for most needs. It’s not actually a distinct type of insurance. Most of the time, full coverage includes:
- Liability insurance: This coverage protects others if you cause injury or property damage. It applies when you cause an accident and covers the other party’s losses.
- Collision insurance: This helps pay for damage to your vehicle if you collide with a structure or another vehicle, regardless of who’s at fault, though it’s most commonly used when you cause the accident.
- Comprehensive coverage: This protects against accidental, non-collision damage caused by theft, fire, animals, weather, or other specifically outlined events, and helps cover your vehicle’s repairs.
You can also add on to your full coverage auto insurance plan to include more types of protection. For example, you can add uninsured or underinsured motorist coverage to help cover damage and injuries when another driver is at fault but doesn’t carry insurance.
Let Us Help You Get the Protection You Need
At Crown Reinas Insurance Agency, we help owners get coverage that matches their needs. If you need auto insurance in California, give us a call for a quote.
