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What does the complete coverage of your auto insurance include?

auto insurance
Written by Bilal Munsif

The article is about the complete coverage of your auto insurance. If you need to cover damage to your vehicle at all costs, you need this coverage.

Known as “Full Coverage”, it is a type of policy, which despite the name, does not cover everything completely like in case of bobtail truck insurance. It only refers to the fact that if your vehicle suffers damage, it will be covered. “Full coverage” insurance works as follows and consists of two parts:

Accident or Collision Insurance:

This part of your Full Coverage car insurance is in the event you are in a car accident and your vehicle is damaged. Regardless of whether the accident was caused by you or not, your vehicle will be covered with this coverage.

You will have to pay a part. When you take out the insurance, you will determine how much you will pay in case of having to repair the vehicle. It is called a deductible and ranges from $ 50 to $ 7,500. The lower the deductible, the higher the price of your auto insurance. Drivers generally choose a deductible of $ 500 or $ 1000

Full coverage – Other damages

This second part of your auto insurance is in case your vehicle is damage in any other way. That is, if an object falls on it if it is damaged in a natural disaster or is vandalized. It covers practically any damage you can imagine and in the same way, you will have to pay your deductible, the rest will be paid by your insurance company.

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Auto Insurance with Medical Expenses or Personal Protection

This coverage or some variation of it must also be purchased by law in the following states:

Maine

Massachusetts

Minnesota

New Hampshire

North Dakota

New Jersey

New York

Oregon

Pennsylvania

Utah

Many people only consider covering the damage that may occur to the vehicle and what it would entail financially. But you should realize that the most important thing is the people inside the vehicle and your health. The complete coverage of your auto insurance include the following.

In order to cover your medical expenses resulting from an accident, you can purchase medical expense coverage regardless of whose fault it was.

It can help you cover the following:

  • Funeral expenses
  • Injuries of the passengers of the car.
  • Injuries you may sustain as a result of an impact while walking or riding a bicycle and a car hits you.
  • Dental expenses resulting from an accident.

It may be different depending on the state you are in or the company that insures you.

About the author

Bilal Munsif