What is Included in Full Coverage?
Most "full coverage" auto insurance policies will cover the following:
- Liability Bodily Injury: Medical expenses for the people you injure if you're at fault in an accident (each person/per accident).
- Liability Property Damage: Coverage for cars or other property (like a house or fence) you hit.
- Personal Injury Protection: Coverage for medical expenses, loss of income, or final expenses for you or anyone in your vehicle. (You can use it regardless of fault. Some companies take months to pay their insureds' claims and sometimes don't end up paying claims that they should because of loopholes in their system. This is a way to protect yourself in case someone with a terrible insurance company hits you.)
- Comprehensive $500: Damage to your vehicle caused by things that aren't your fault, like a tree falling on your car or hitting an animal - which is common in Texas. You come out of pocket the first $500 then the insurance company will pay for the rest.
- Collision $500: Damage to your vehicle that's your fault, like backing into a pole or hitting another vehicle. Like your comprehensive deductible, you come out of pocket the first $500 then the insurance company will pay for the rest.
- Uninsured/Underinsured: This pays for your medical bills and people in your vehicle in case someone hits you and doesn't have insurance or have enough to cover all your bills. The third number is the amount you have to fix your vehicle or replace it if it's totaled.
- Rental Reimbursement: Rental car coverage when your vehicle is in the shop from involvement in an auto accident (not from normal wear and tear of the vehicle)
- Towing and Labor: AKA, Emergency Roadside Assistance, provides coverage for things like locking your keys in your car, getting your car jump started, having your car towed, running out of gas, etc.
- Auto Death Indemnity: Pays $10,000 for final expenses in case you are killed in an auto accident. If you are wearing your seatbelt or your airbag deploys, it will be doubled. This provides coverage for any vehicle you occupy and does not require that you are the driver.