If you're in an accident, an auto insurance policy that’s considered “full coverage” can protect you from liability while repairing damages your vehicle sustains regardless of fault. Comprised of several required and optional policies, full coverage insurance provides unique benefits designed to apply to a variety of situations. Here’s a closer look at what it entails and how it can protect you.

What It Covers

Full coverage auto insurance isn't a single policy but a combination of policies designed to cover a variety of circumstances. Comprehensive insurance pays for repairs or a replacement in the event your car is stolen or damaged by a covered cause like fire or vandalism.

In addition to comprehensive, a collision policy covers vehicle repairs should you collide with another vehicle or an object such as a tree or fire hydrant. Finally, liability coverage pays for the cost of another party's medical injuries and property damage repairs if you cause an accident.

Who Needs to Be Fully Covered?

While full coverage auto insurance isn't required by law, it’s most beneficial for individuals who own a new or expensive vehicle and those who regularly commute, especially in heavy traffic. 

It’s also effective for those who live in an area with extreme weather conditions, a high crime rate, or a higher risk of animal collisions, such as wooded areas with heavy deer populations. Additionally, in most cases when purchasing a new vehicle, a lender will require you to carry some level of full coverage, as it protects their assets until your loan is paid off in full. Check your auto loan documents for details.

Protect your investment with full coverage auto insurance through the professionals at Lafever Insurance Agency in Cookeville, TN. These experts have over 30 years of experience providing affordable and reliable coverage for individuals and families, including young drivers, motorcycles, and drivers with imperfect driving records throughout the Upper Cumberland area. Contact them today at (931) 526-3377 to request a quote or visit them online for a full list of their auto coverage services.