What is “Full Coverage” Auto Insurance?
Full coverage has different meanings to different people. When most people refer to full coverage they’re referring to a mix of insurance coverages to protect their vehicle. That being said, there is no such thing as “full coverage” just a combination of coverage options that will protect your vehicle as well as others on the road. Let’s look at this closer.
Some coverages such as Bodily Injury and Property Damage (also known as liability insurance) are required by law. You can choose just how much liability insurance to carry, but at a minimum, this is required by your state law in order to drive your vehicle.
Other coverages such as Collision, Comprehensive, Personal Injury (PIP), MedPay, Roadside Assistance, Rental Reimbursement, and Uninsured/Underinsured Motorist (UM/UIM) are optional coverages in most states. Some states do have laws that also require UM/UIM and PIP/MedPay be purchased.
So, the choice really becomes, “How much insurance do you want?” Deciding on how much insurance you want or need is a combination of factors that only you can decide. A licensed insurance agent can help you decide on what options may be best for your situation, your budget and your needs, but ultimately, the choice is yours to decide.
Contact A Accelerated Insurance for an auto insurance quote or a review of your current policy. We strive to make sure all of our clients have the proper coverage for their needs.
A Accelerated Auto Insurance was founded in 1992 by a group of independent insurance agents. Their vision was to provide affordable auto insurance rates to all customers regardless of driving record or credit history. This vision allowed them to quickly build a large, loyal customer base. In 2006 Jared Fuller began his career with Accelerated Insurance as a customer service representative. Over the next 10 years Accelerated expanded its reach to offer home and business insurance in addition to auto. In 2015 Jared’s wife, Cristy Fuller, also started working for the company. During the year 2016, they became the sole owners of Accelerated Insurance. Advances in technology allow Jared, Cristy, and a small staff to continue to grow while still providing excellent service to their existing policy holders. They continue to maintain the same vision of savings and service for Northeast Louisiana.
