When it comes to purchasing auto insurance, you can choose between several different types of coverage. While some opt to get the minimum liability coverage required, others add comprehensive coverage to their policies or get a full coverage auto insurance policy. Understanding the difference between comprehensive auto insurance and full coverage insurance can help you choose the best policy for your needs.
Comprehensive Insurance Coverage
When you buy an auto insurance policy, you are given the opportunity to purchase comprehensive coverage. This is a type of coverage that provides protection against some things that you may not think of when you own a car. This type of coverage provides benefits for anything that is not directly related to an auto crash. For example, if a tree limb falls on your windshield and breaks it, your comprehensive coverage will kick in and help you pay for the damage.
Full Coverage Auto Insurance
When you are shopping around for auto insurance, you will not find a policy that is specifically called full coverage auto insurance. While no policies are actually considered to be full coverage, this designation typically means that a policy includes liability coverage, comprehensive coverage and collision. With this type of policy, you protect yourself against these three major sources of loss that you could experience when driving a car. The liability component is very important so that you can limit your personal liability if you are at fault during an auto accident.
When you buy a full coverage auto insurance policy, you may also elect to add other optional coverages into your policy. For instance, you could buy a rider that reimburses you for the cost of any rental cars that you have to pay for after you are in a wreck. Some full coverage auto insurance policies also allow you to buy roadside assistance protection. This way, if your car breaks down on the side of the road, you can get help.
What Comprehensive Covers
Comprehensive auto insurance can provide you with coverage in a number of different circumstances. For example, if your car is damaged in a fire, this insurance helps pay to replace the car or repair it. If your car is damaged by someone in an act of vandalism, your comprehensive auto insurance policy pays you a benefit. If your car is stolen or if something inside the car is stolen, this policy pays to replace it.