Did you know that 87% of US drivers have some form of car insurance? That means 13% of Americans drive illegally. While any car insurance is better than none, full coverage auto insurance is the best option.
However, many drivers question if full coverage benefits are worth the price. Are you a driver in the Greeley, Colorado area? Are you considering upgrading from collision insurance to comprehensive insurance?
The following guide will explain the many advantages of full coverage auto insurance for drivers. Read on to determine if your current vehicle insurance policy measures up to comprehensive plans.
Basics of Full Coverage Auto Insurance
Full-coverage auto insurance covers damage sustained to your vehicle during an accident. It also covers your vehicle in cases of vandalism or theft. Full coverage protects against riots and other civil disturbances as well.
These plans cover flooding, fire, hail damage, tornadoes, and other natural disasters. They also cover damages caused by hitting animals or falling objects while driving, too. Basically, they cover all collision damages — including glass damage.
Full-coverage auto insurance policies help pay medical expenses and legal fees. They’ll even help with lost income if you missed work because of an accident.
It’s easy to add extra coverage to comprehensive plans to suit your needs. We’ll go over some of the most beneficial additions next.
Protection Against Uninsured Drivers
According to the NTSA, between 5 and 6 million car accidents occur each year in America. It can be very expensive if you’re involved in one of these accidents with an uninsured driver.
Luckily, underinsured motorist coverage is offered in addition to most full coverage auto insurance plans. This extra protection helps cover medical expenses and property damage caused by an uninsured driver.
Rental Car Reimbursement
Rental car reimbursement covers the cost of a rental vehicle while yours gets repaired following an accident. This addition to your plan is optional but greatly benefits households with only one vehicle.
Medical Payments Coverage
This additional coverage helps pay for medical care if you’re hurt in a crash. It also covers any passengers involved in the accident
This protection can also help with funeral costs if there was a death associated with the accident. Medical payments protection even applies if you’re hit by a vehicle while walking.
Adding a roadside assistance plan ensures that you won’t get stranded if your car breaks down. For example, it offers fuel delivery if you run out of gas while driving.
Some insurers even coordinate to send a technician to your location if your car won’t drive. They will also send someone to jumpstart dead batteries and fully replace them if necessary. They’ll also send help for flat tires.
Roadside assistance includes lockout services if you get locked out of your vehicle. Tow services are also included if your vehicle needs to be moved.
Ready to Switch to Full Coverage?
Now you know the benefits of full coverage auto insurance. You also know several optional coverages you can add to further enhance your plan. Consider upgrading your current insurance and drive safe!
Please contact us if you have any more questions about full coverage auto insurance in the Greeley, Colorado area.