When selecting car insurance coverage, one option is to choose your state’s liability requirements and forget all else. What if your car is damaged by a storm? Would you be able to pay for the repairs out-of-pocket? While the term “full-coverage” is often thrown around,  Alcorn Insurance in Chama, NM is here to explain that full-coverage auto insurance simply means having a combination of the following:

• Liability Coverage: In the event that you are at fault in an accident, liability insurance covers the cost of the other party’s property damage or bodily injuries.
• Collision Coverage: This is highly recommended to pay for the cost of repairs in the event of an accident where you are at fault. Selecting the lowest coverage amount is not recommended, since you will only get what you pay for. For example, if you only select $1000 worth of collision coverage, this will be the maximum payout amount after filing a claim.
• Comprehensive Coverage: There are other events that could cause damage to your vehicle, such as natural disasters, theft, and vandalism. Comprehensive coverage will pay for some or all of these damages depending on your selections.

Other add-ons to give you extra peace of mind include uninsured motorist protection, rental reimbursement, medical coverage, roadside assistance and more. A few factors to keep in mind when making your choices are the value of your vehicle, how much you can afford, what your health insurance pays for, and crime statistics in your neighborhood.

To find affordable insurance with personalized service, request a, auto insurance quote from Alcorn Insurance by calling (575) 756-2197 today.