Everybody talks about having “full coverage” when it comes to car insurance. But what does that really mean, and is it enough to protect you in the event of an auto accident? Here at Ramos Law, we tell our clients to bring in their insurance policies so our expert auto accident attorneys in Colorado and Arizona can review them and explain exactly what kind of coverage they are getting. Let’s take a closer look at what full coverage means for auto insurance.
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What Is “Full Coverage”?
Don’t be fooled by the phrase “full coverage” – it’s not an actual type of insurance policy. Rather, it refers to an insurance policy that includes comprehensive, collision, uninsured motorist protection and medical payments or personal injury protection (PIP). Comprehensive protection covers damages due to non-collision incidents such as theft or severe weather damage. Collision, uninsured motorist protection provides financial assistance in cases of accidents involving an uninsured driver responsible for causing the accident or if you require medical attention after suffering injuries from said incident.
Will “Full Coverage” Insurance Cover Your Car Accident?
When people say they have “full coverage” on their car, it typically refers to solely property damage. This means if your car is worth $15,000 and someone crashes into you or you crash into someone else, you will have full coverage to replace your car. However, this does not mean you have full coverage to cover the damages caused by the accident. So it is important to understand the exact details of your policy when trying to determine if you have full coverage on your vehicle.
Understanding Your Policy
If you are unsure about what type of auto insurance policy you have or if you think your current policy might not offer adequate protection in case of an accident, contact Ramos Law. Our expert auto accident attorneys can help answer any questions you may have about your auto insurance policy and make sure that you are properly covered in the event of a car accident.
Contact Our Personal Injury Law Firm
At Ramos Law, our team of personal injury attorneys in Colorado and Arizona wants our clients to feel confident that they are adequately protected by their auto insurance policies in case of an accident. You deserve the peace of mind knowing that if something were ever to happen while driving, you would be well taken care of by your auto insurer – so don’t wait until it’s too late. Contact the attorneys at Ramos Law to bring in your policy today!