Simply Explained Full Coverage Auto Insurance-2019

Simply Explained Full Coverage Auto Insurance-2019

There's no such thing as full coverage auto insurance. People think that term means, that you're covered that all the optional coverage is available to you are going to be on your auto insurance policy. Full coverage auto insurance really is just meaning that you have collision coverage and you have comprehensive coverage. You have a deductible but full coverage. When they say that to you at the auto dealer they just mean we want you to have collision and comprehensive coverage. Because we want to make sure anything happens to your car.

Simply Explained Full Coverage Auto Insurance 2019
Simply Explained Full Coverage Auto Insurance 2019

It's going to be fixed because we still own the car. They don't care, if you have a real car when your car's in the shop, they don't care. If you're hurt because an uninsured motorist hits you, They don't care, if you have to pay a hundred dollars to get your car towed. All they care about is that your car gets fixed. In Texas like, if you own your car free and clear, the only coverage you have to have is liability coverage. That covers the other car or the other person that you might hit in an asphalt accident.

You have to have that coverage. If you've paid for your car and you don't have a lender. That's the only coverage you have to have by law. If you have a lender and they technically, own your car and you haven't paid it off. Then you have to have collision coverage and comprehensive coverage. That's all they care about the other optional coverage’s, that is important and that is good for you to have been uninsured motorist coverage. Rental car reimbursement coverage to cover you, to get a rental car, when your car's in the shop. After an accident personal injury protection and medical payments coverage and then towing an insured motorist coverage.

Underinsured Motorist Coverage

The underinsured motorist coverage covers you if somebody hits you that don't have auto insurance now in the state of Texas it's estimated that like 20% of the drivers are driving around without insurance, so it is important to have an auto insurance coverage because if somebody hits you and you only have liable only then you have no coverage like for your injuries and if you reject it you do have to sign a form stating that you're aware that you don't have that coverage in and you reject.

Rental Car Reimbursement Coverage

It rental car reimbursement coverage is the coverage that you have to cover you. If your car's in the shop and you need to have a rental car. A lot of people think when they have full coverage. That means they automatically, have a rental car for 30 days. The people get really upset after they have an accident and they can't get around and they have to pay for their own rental car. Because auto insurance companies get better rates on rental cars. It could cost you a lot of money but you have to specifically choose that coverage.

Completely an Optional Coverage

It is completely an optional coverage on your auto insurance policy. Personal injury protection covers, your medical expenses and also your lost earnings and it even covers for somebody to come to your house. Help you with rehab and personal injury protection covers not only yourself. That's the driver but it would cover any passenger that you have in the car. If you don't have it then you don't have any coverage for your medical expenses.

If you're in an active fault accident towing, is just a small optional coverage. It's only like $7 per vehicle for six months. It's just a little over $1 a month. That you pay and it will cover up to at least our policy up to 120 dollars for towing or roadside assistance. If you lock your keys in your car and those are all your choice those for optional coverage’s you decide. If you want them or not.

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