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 H&K 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.