How to get Coverage called “Full Coverage”?
When someone buys a new vehicle they want to protect their investment with good insurance. Many new drivers believe that there is a policy called Full Coverage that guarantees that total protection.
Well no, Full Coverage is like those urban legends that everyone mentions, but they don’t really exist.
The term Full Coverage is generally used to describe a combination of three coverages: Civil Liability, Collision, and All Risks (Comprehensive), which together achieve great protection for vehicle owners.
Actually, to circulate in Florida, what is required by law is liability insurance that covers a minimum of $ 10,000 in personal injuries and another $ 10,000 in property damage caused to third parties.
To be more protected, you can add a Crash Insurance (Collision) that insures you against the damages suffered by your vehicle in case of being involved in an accident with a pole or another car if it is your fault. Depending on the coverage purchased and the deductible, you will receive money to repair or replace the covered vehicle.
You can further increase your level of protection by adding the All Risk Insurance, which is responsible for covering the damage suffered by your vehicle in events not related to driving, such as theft, vandalism, hail damage, glass breakage, or fire.
As you understand, to have what is considered full coverage, you should also include a medical payment policy (Med Pay) that covers you and your passengers if you are injured in an accident.
You have added four coverages and yet your vehicle is not protected from damage caused by others. For this, you need the Uninsured Motorist Coverage that would protect you if the driver who crashes you is at fault and does not have coverage or it is insufficient. Auto insurance: How to get coverage called “Full Coverage”?
If you take out all these policies, you will finally have Full Coverage. But remember that the degree of protection for your vehicle is achieved by combining different policies.
You don’t have to do it alone, call Univista Insurance and an insurance specialist will help you get the coverage you really need.
