Full Coverage Auto Insurance If you want full coverage auto insurance, you are looking for more than just liability. You want the whole shebang!There really isn't any type of coverage actually called "full coverage." That is just a term that has come about over the years when people are referring to having bodily injury liability, property damage liability, collision, and comprehensive auto insurance. Full coverage covers you and your car as well as the other guy and his car. Is Full Coverage Car Insurance Necessary? This is the voice of experience speaking.If you have a flashy car in good shape, you probably ought to consider it, even if you feel you are a safe driver. Believe me, that doesn't mean everyone else is! It's the other guy you have to worry about. Also, depending on where you live or work, you may want to be sure you're covered for theft and vandalism. A couple of years ago, someone broke into our car, found my husband's spare keys, started it up, backed it up, and smashed it into the back of our church van! Needless to say, we woke up to an unpleasant sight. Unfortunately, we did not have "full coverage," only liability. So we had to suffer the loss ourselves. They were both older vehicles, but it was still a blow. We never discovered who the culprit was that did the damage, but I always figured the Lord took care of it... :-) Anyway, the only time you may be required to carry full coverage auto insurance is when your car is not quite really yours yet, if you know what I mean. If you have taken out a loan to purchase your car, the loan shark, oops, I mean lender, may require you to have full cover until the loan is paid off. Other than that, you are only legally required to have a certain amount of liability depending upon which state you reside in. Return from Full Coverage Auto Insurance to Auto Insurance Coverage
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