How do you know you have full coverge for auto insurance?

Question

i checked out statefarm website and selected premium plan

Answer 1

FULL COVERAGE is a very mis-used term.  In most policies, there ARE limitations and exclusions where not EVERYTHING is covered - nuclear holocaust comes to mind, as does vermin, criminal acts, intentional acts, and many more instances that unless you have years of training - you probably wouldn't be able to find on your own.

I would strongly suggest that if the website is NOT clear enough on these issues, you don't need to be using the website!

You need to look around and find you a LOCAL independent agent.  Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a licensed professional agent to help advise you of your needs and help satisfy your insurance requirements.

A person could be mislead by looking at a Declarations of Coverage page, see the pre-printed form showing Medical Payments, Personal Injury Protection, Rental Reimbursement, Collision, Other Than Collision (or Comprehensive), Accidental Death Indemnity - and think that they have the coverage - but, if there is no premium charged for the coverage - they DON'T have the coverage.

You'd be better off having someone LOCAL that can SHOW you what you have in black and white - instead of us having to GUESS what you purchased on-line.

Good luck, drive RESPONSIBLY and I hope this helps!

Answer 2

Ask your insurance agent.  It should have collision and liability on it if it is full coverage.

Answer 3

Call your agent and ask them.

Although - there is no defined term "full coverage".  In general, "full coverage" means you have collision and comprehensive along with the state required coverages. But it is best to ask your agent which coverages you have.