Full coverage car insurance covers the costs of repair and replacement of a damaged vehicle belonging to an insured person, and bodily injury or property damage to others caused by an accident occurring while the car is being driven. it also covers medical payments for injuries to you or others in your care due to accidents where someone was at fault.
full coverage usually includes liability, comprehensive & collision. comprehensive pays for damages from events other than a traffic crash, such as theft or vandalism – up to the limits you select. collision pays for damages that happen in a single incident , before any insurance goes into effect, but after comprehensive has expired – up to the limits you select. liability pays for your legal responsibility under common law when damages are caused by
what does full coverage insurance consist of?
full coverage insurance consists of two parts. the first part is that it covers all damages related to any circumstance, including natural disasters, wear and tear for items used frequently, animal damage, etc. however, the second part is that it does not cover against theft or deliberate damage.
if you have full coverage insurance on your car insurance policy but someone vandalizes your vehicle nonetheless – their expenses will be covered by the policy's comprehensive coverages section. your only out-of-pocket expense will be for filing a police report.
unfortunately if an individual chooses to buy an all liability plan there are many exclusions in this type of coverage which can expose the insured to catastrophic losses beyond the scope of this short article.
does full coverage cover broken down car?
full coverage restoration that includes protection against accidents and vandalism including broken windows does cover an automobile).
if the two events were contemporaneous, they may be covered. if this is not the case, then it would depend on whether or not protection was purchased for both events. you must review your agreement with the insurance company as terms vary among policies and options such as deductibles, coverage levels and perils can create confusion about if particular damages are covered.
