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Full coverage expands on state-required coverage, typically adding comprehensive and collision coverage to your auto policy. These add-ons help cover repair costs for perils, such as fire ...
What full-coverage car insurance includes. A full-coverage auto insurance policy combines three key protections — liability, comprehensive and collision coverage — into one complete package.
Comprehensive coverage, also called other-than-collision coverage, pays for the damage to your car not covered by collision. This includes: This includes: Broken windows or windshields
Collision coverage provides coverage for vehicles involved in collisions. Collision coverage is subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable or totaled. Collision coverage is optional, however if you plan on financing a ...
Some drivers opt to buy the insurance as a means of protection against costly breakdowns unrelated to a crash. In contrast to more standard and basic coverages such as comprehensive and collision insurance, auto repair insurance does not cover a vehicle when it is damaged in a collision, during a natural disaster or at the hands of vandals.
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage , because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
The average cost of a full coverage policy in the U.S., which includes collision and comprehensive, is $2,545, compared to the average cost of a minimum policy (which does not include collision ...
Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a qualifying accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured motorist had proper insurance.