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Full Coverage May Not Mean What You Think, For Personal Injury Coverage

When you take out an insurance policy, there are terms that get thrown around like there is a common consensus about what they mean. When someone tells you that you have “full coverage,” you would assume that means that you have the coverage to ensure that no matter what happens, you aren’t liable, but you would be wrong.


”Full coverage” is a myth in insurance terms. If you don’t ask the important questions, you may be incorrectly assuming that there aren’t any gaps in your policy that may be leaving you vulnerable. When it comes to auto insurance, making sure that you are fully insured is imperative, but it may take some diligence on your part.

There are many different types of auto insurance coverage policies available. The definition of what full coverage is will vary depending on where you live, how many cars you own, and other specifics, this is when you need to know how to choose the right personal injury lawyer, to help you with this processs. But in general, these are the specifics of auto insurance. Are you sure that you are covered in case something happens?

“Mandatory insurance” is the minimum policy requirement mandated by the state in which, you reside. For most states, mandatory insurance means that a driver carries two types of insurance: Personal Injury Protection Coverage and Property Damage Coverage.

“Personal Injury Protection” is coverage that ensures that people are taken care of in the event that there is an injury. For states that are considered “no-fault,” you are eligible to receive benefits before fault is established. In other states that are “fault” states, you may have to wait to be reimbursed if there is a pending lawsuit. Personal Injury Protection covers things like medical bills, wages lost, and even funeral expenses, if necessary.

“Property Damage Coverage” is insurance that pays for any damage you may cause to someone else’s property, including the damage to their vehicle. Property Damage Coverage only covers the other driver, not the person who is responsible for the accident.

In states where those two types of coverage are mandatory, if you have them, then you are considered to have full coverage. But if you have just the minimum required, then you are anything but fully covered. Not having insurance for other disasters may leave you open to liability.

Additional coverages that you may want to consider are:

Bodily Injury Coverage

“Bodily Injury Coverage” protects your assets if you are responsible for injury to another motorist in an accident. There are typically limits involved, and they are represented by monetary maximums.

Underinsured/Uninsured Motorist Coverage

If you should get into an accident where the person at fault is not carrying the mandatory minimum insurance, or is underinsured or uninsured, “uninsured motorist coverage” will protect you. Also, if they don’t have bodily injury coverage, an underinsured motorist coverage plan will bridge the gap.

Collision Coverage

“Collision coverage” means that if you are at fault and you sustain damage to your car that needs to be repaired, it is covered. If your car is completely totaled, collision insurance will reimburse you for the entire value of your car. Be careful, however: if you are financing your car then you may not get all the money that you owe on the loan if the loan amount exceeds the value.

Comprehensive Coverage

“Comprehensive coverage” protects you if something other than another vehicle causes your car to be damaged. Examples of things that comprehensive coverage will protect you from are if your car is stolen or damaged by a natural disaster.

If your insurance carrier tells you that you are fully insured, it is imperative for your protection that you ask what that means. Typically, that means that you are carrying the minimum amount of insurance required by law.

That may be leaving you vulnerable to huge expenses if things go wrong. Talk about the specifics of your policy with your insurance agent to ensure that you have all the coverage you need so that you aren’t left holding the bag for something you thought you were covered for.

Fully insured doesn’t mean what you think it means for most motorists. Make sure that you are truly fully covered by having a discussion with your insurance carrier. The last thing you want is for someone to sue you for personal damages due to injury and find you don’t have the protection necessary.

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