What is Full Car Insurance?

Full car insurance, also known as comprehensive car insurance, is a type of car insurance that provides coverage for damage to your car and for damage you may cause to another person’s car or property. This type of insurance offers more extensive coverage than basic liability car insurance, which only covers damage to other people’s cars or property.

How Does Full Car Insurance Work?

Full car insurance typically covers damage to your car caused by accidents, theft, vandalism, natural disasters, and other events. It may also cover medical expenses for you and your passengers if you are injured in an accident.

When you purchase full car insurance, you will generally choose a deductible amount, which is the amount you will have to pay out of pocket before your insurance coverage kicks in. The higher your deductible, the lower your insurance premiums will be.

If you are involved in an accident or your car is damaged in another way that is covered by your full car insurance policy, you will file a claim with your insurance company. The insurance company will then investigate the claim and determine how much they will pay for repairs or replacement.

Benefits of Full Car Insurance

There are several benefits to purchasing full car insurance:

FAQs about Full Car Insurance

What does full car insurance cover?

Full car insurance typically covers damage to your car caused by accidents, theft, vandalism, natural disasters, and other events. It may also cover medical expenses for you and your passengers if you are injured in an accident.

Is full car insurance more expensive than liability insurance?

Yes, full car insurance is typically more expensive than liability insurance because it offers more extensive coverage. However, the cost will depend on factors such as your driving record, your car’s make and model, and your chosen deductible amount.

Do I need full car insurance?

While full car insurance is not legally required in all states, it is a good idea to have this type of coverage if you own a newer or more expensive car, or if you want to protect yourself from a variety of potential risks while driving.

Can I choose my deductible amount?

Yes, when you purchase full car insurance, you will typically have the option to choose your deductible amount. The higher your deductible, the lower your insurance premiums will be.

Will my full car insurance cover rental cars?

It depends on the specifics of your policy. Some full car insurance policies may include coverage for rental cars, while others may not. Check with your insurance provider to see what is covered under your policy.

Conclusion

Full car insurance is a type of car insurance that provides more extensive coverage than basic liability insurance. It can provide peace of mind while driving and protect your investment in your car. When purchasing full car insurance, make sure to choose a deductible amount that you are comfortable with and to understand the specifics of your policy.