Why is it beneficial to have full coverage auto insurance?

Most states in the country require you to have minimum liability coverage. This means that if you cause an accident, your insurance covers the costs of medical bills, damage repair, and possible lawsuits. Although a minimum is required, it is not always enough for most drivers’ auto insurance coverage needs. This is where full auto insurance coverage comes in.

What is full coverage auto insurance?

Full coverage auto insurance includes various coverage on top of liability that covers different things. Here are some of the types of coverage offered in full coverage insurance. Full coverage includes comprehensive and collision coverage. This means that it covers damage to your vehicle from collisions. In addition, it covers any damage from theft, animals, weather damage, etc., even if you are the one who was at fault. Full coverage also includes liability, which means it pays for damage and medical bills for someone else in a crash you caused. Other types of coverage might also be provided depending on your policy. These include:

  • Uninsured motorist coverage

  • Medical payments coverage and personal injury protection

  • Rental reimbursement coverage

  • Roadside assistance coverage

Why is full coverage auto insurance beneficial?

Full coverage is beneficial because it covers a lot more than just liability. If you cause an accident, you can have your insurance step in with comprehensive and collision coverage to help with the costs of fixing your own vehicle. This is also beneficial if another driver is responsible but doesn’t have liability coverage or does not have enough to pay for your vehicle or medical bills. You would still be covered the rest of the way with your own coverage. If you only had liability insurance, you would not be protected against uninsured or underinsured drivers.

Contact Our Office

For more information about full coverage auto insurance, call us at ALLConnecticut Insurance, located in West Hartford, CT.

Protect Your Home – It’s Your Most Valuable Asset

Are you a homeowner in West Hartford, CT? Are you planning on becoming a homeowner? ALLConnecticut Insurance can provide the coverage you need to protect this valuable asset.

If the home is being financed, all mortgage companies or lenders will require that you have a homeowners’ policy to protect their interests in the property.

Homeowners insurance is also necessary because it protects your home and its contents. In case of a total or partial loss, this policy will provide the funds required to rebuild or repair your home. The policy will also provide liability coverage for any legal action against you due to injuries someone sustains while visiting you.

Even those who do not carry a mortgage on their home need this coverage. If you are mortgage-free and someone is injured while on your property, a lawsuit could rob you of all equity in your home. You could also face losing your home in this case. It is not worth the risk.

One of the most important things to consider is the level of coverage. Don’t pay for more than you need. The most common coverage is an HO-2 policy which protects against 16 events named in the policy.

Typically, a homeowners insurance policy has six different coverages. They are referred to as dwelling (home), other structures (garage or storage shed), personal property (contents of the house), personal liability, and medical payments (if a visitor is injured on your property).

A standard homeowners insurance policy usually will not cover valuable artwork, jewelry, collectibles, damage due to a flood or earthquake, or provide identity theft protection.

Make sure your most valuable asset is protected. Contact ALLConnecticut Insurance today for a no-obligation quote or answers to any questions you may have.