What is Full Coverage?
Everyone who has auto insurance generally likes to think that in the event of an accident, they will be fully covered. Insurance agents will often use the term when selling auto insurance policies. This is usually done to make clients feel like no matter what happens to them during an accident, they will be fully protected. In this blog post, I am going to explain what full coverage really is and how not to get fooled when purchasing an auto insurance policy.
Full Coverage Explained
Most insurance agents will define full coverage as a combination of collision, comprehensive and liability coverage. Let’s look at what these coverages consist of. Liability coverage will protect you if you are at fault for an accident and you need to cover another driver’s damages. Comprehensive coverage protects your vehicle if it is damaged by an act of nature. Collision coverage covers your vehicle if it collides with another vehicle or another object. If the coverages discussed above are the only coverages in your auto insurance policy, you are not fully covered. For example, you don’t have any med pay coverage to pay for any injuries sustained in an accident. Another coverage you may not have is rental reimbursement coverage. Rental reimbursement coverage provides an allowance so that your insurance company can pay for a rental vehicle while your primary vehicle is getting repaired after an accident. The final type of coverage you may not have in your “full coverage” policy is coverage to protect you against uninsured or underinsured motorists. This type of coverage will cover your injuries and property damage to your vehicle if you are hit by a driver who does not have insurance or has very low insurance limits. Additionally, this type of coverage is applicable if you are involved in a hit and run accident where the other driver who hit you flees from the scene of the accident. In conclusion, if another driver is at fault for your accident but they do not carry enough insurance limits to fully reimburse you for all your damages, adding these coverages to your account will ensure that you are fully protected and have a full coverage insurance policy.
Contact our Accident Attorney in Miami Today!
Car accidents are a huge issue for drivers in South Florida. If you or a loved one has been injured in a car accident in South Florida due to another driver’s negligence, the car accident attorneys at Suarez & Montero are here to help you get the compensation you rightly deserve. If you are looking to pursue a car accident injury case and want to discuss your options going forward, contact one of our skilled car accident attorneys today! Don’t allow negligent drivers to cost you money, time, or cause you aggravation. If you were hurt in a car crash, it is smart to connect with a local accident lawyer so that you can obtain vital information on how to begin the process of filing a claim or filing a lawsuit. The Law Offices of Suarez & Montero Car Accident Attorneys is a personal injury law firm with locations in Miami and Broward. Personal injury law is constantly changing; thus, it is important to pick a lawyer who is up to date with these changes and specializes in handling personal injury cases only. Many attorneys specialize in other practice areas such as bankruptcy or criminal law and handle personal injury cases on the side. Unlike other firms that handle cases in other areas of law in addition to their personal injury section, our firm is 100% dedicated to helping victims in personal injury cases and has been doing so for over 19 years. If you or someone you love has been involved in an accident, contact us today for a free consultation.
We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm
