The term “full-coverage car insurance” is one drivers often use without knowing what it really means. In reality, full coverage doesn’t exist. It’s not an actual type you can purchase, but rather a combination of coverage under one policy that’s intended to provide more than the average amount of protection. However, it can still be interpreted in several different ways, which is why it’s crucial to get a clear grasp on the coverage you’re buying and what your policy includes.

Here are some important facts to know about full-coverage car insurance:

• What the Standard Full-Coverage Policy Includes: In general, insurance companies usually include liability, collision, and comprehension coverage when referencing these policies. Liability is state-required coverage every driver must have to pay for injuries and damages caused in an at-fault accident. Collision and comprehensive will provide the funds needed to repair or replace your own car after an incident takes place. 
• What Is Missing From Full Coverage: There are many other types that typically fall outside of full-coverage policies; you may not realize you’re missing them. These include uninsured/underinsured motorist, emergency roadside service, medical payments, car rental reimbursement, and gap insurance. Each of these plays a significant role in minimizing financial loss, so they are worth considering when putting together your car insurance plan.
• Understanding the Role of Deductibles: It’s also essential to understand deductibles when buying insurance. Some drivers are under the impression if they have full coverage, it means they won’t be responsible for paying anything out of pocket for vehicle repairs after an at-fault accident. The truth is even if you have coverage where your insurance provider will pay for the necessary repairs, you will first be responsible for paying the deductible that is set up through your policy.  

Instead of waiting to find out you aren’t adequately protected until after an incident occurs, talk with your insurance agent to make sure you know what your policy entails. When the residents of Statesboro and Vidalia, GA, need quality car insurance at an affordable rate, they turn to the professionals at BestRate Auto Insurance for help. They offer personalized service to assist every client in meeting their individual coverage needs. Contact their Statesboro location at (912) 489-5942 or the Vidalia office at (912) 403-3250 to request an auto insurance quote, or visit their website for more information.