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

Jaime Suarez

An experienced legal personal injury defense professional in Miami, who is dedicated to helping accident victims with personal injury cases involving automobile accidents, brain and spinal cord injuries, slip and fall accidents, prescription errors, wrongful death, and accidents at work.