Which Types of Accidents are Covered Under Full Coverage Auto Insurance?

Full coverage policies simultaneously provide two types of coverage. First, they provide coverage for the physical damage that is done to your car when it is in an accident. Second, they provide liability coverage for your car. It is these two types of coverage that are necessary to provide you with comprehensive coverage. Without both of these kinds of coverage, you could be facing exorbitant repair costs or liability expenses.

Full coverage auto insurance protection against physical damage

Of course your auto insurance coverage has to include physical damage coverage. If you get into an accident, this is the most obvious type of damage that will happen. There are many ways that physical damage can happen to your car. For example:

• Your car may collide with another vehicle.
• Your car may sustain damage when it collides with another object that is not a car. It could be a lamppost or it could be anything.
• Beyond the collision aspect of car damage is the comprehensive coverage part. In theory, the comprehensive coverage includes everything else. This includes damage from falling objects, fires, theft, vandalism, floods, earthquakes, hail, water, and even explosions.

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Full coverage auto insurance liability coverage

Liability coverage auto insurance covers the costs of property damage that is done by your vehicle or bodily injury expenses. The expenses that are included usually extend to any legal bills that you might have to pay, as well as the medical bills or lost wages of an injured party. You know that bills of this sort can add up quickly, so this coverage is vital.

Understanding the types of accidents that a full coverage policy covers is essential. You need to know when you will be covered and when you will not be. Luckily, a full coverage policy provides extensive coverage.