Shopping for “Full Coverage” Auto Insurance? There’s One Big Problem.

If you or someone you know well has ever been in an auto accident, then you probably have a good idea of how quickly the cost of damages can get out of hand, especially if there are bodily injuries involved. Accidents can happen fast, and even good drivers may find themselves at fault for a collision and financially responsible for resulting injuries and property damage. Auto insurance – that monthly payment that you grumble about, pay, and then forget about until it’s due again – suddenly becomes your lifeline and the barrier that stands between you and serious financial troubles.

Post - The Full Coverage Auto Insurance Myth

Because auto insurance is so important, many drivers seek out a full coverage auto insurance policy that’ll protect them from any vehicle-related problem that may side-swipe you. The only problem? “Full coverage” auto insurance policies don’t exist.

What Does “Full Coverage” Auto Insurance Mean?

In all likelihood, the term “full coverage” as it relates to auto insurance probably originated with finance companies who needed a quick way to tell their clients how much auto insurance coverage they would need to lease or finance a vehicle. However, this is not an actual industry term; you won’t find a “full coverage” option through an auto insurance company, regardless of which one you choose.

Generally speaking, when finance companies refer to “full coverage,” they’re talking about a policy that includes liability, collision and comprehensive coverage. While deductibles and coverage limits can vary widely depending on the exact policy, these three types of coverage ensure that in the event of a collision, both your car and the car you hit can be back to pre-loss condition.

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What Does “Full Coverage” Auto Insurance Not Include?

If you buy auto insurance solely based on what’s required by the state or even by your financing or leasing company, you may find yourself seriously underinsured. Obviously, when it comes to auto insurance coverage options, liability, collision and comprehensive coverage are just the tip of the iceberg. Auto insurance companies offer a full array of additional coverage options, including:

♦ Medical payments coverage

♦ Personal injury protection coverage

♦ Towing and labor coverage

♦ Uninsured/underinsured motorist coverage

♦ Emergency roadside assistance

♦ Customized parts and equipment coverage

♦ Gap coverage

♦ Rental reimbursement coverage

♦ Much more

While you may need a few or even all of these additional types of coverage, they are not automatically included in “full coverage” auto insurance.

Nevada Insurance Enrollment Is Here to Help

Auto insurance can be confusing, and for many people, creating a policy that includes the coverage options that address their needs while leaving out those that they don’t need is a challenge. At Nevada Insurance Enrollment, professional auto insurance agents do just that. Our auto insurance agents help Nevada residents build the best policy for their lifestyle and budget. This special assistance comes at no cost to customers, making it a risk-free option for those drivers who aren’t auto insurance experts. Reach out to us today to find out more about the auto insurance coverage options available.

Related Articles:

What is Full Coverage Auto Insurance?

Understanding Your Auto Insurance Policy

Auto Insurance – Comprehensive vs. Collision: What’s the Difference?

How to Determine How Much Auto Insurance Coverage You Need

Read More: Auto Insurance in Las Vegas, Nevada

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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