Full Coverage Car Insurance Explained
'Full coverage' is one of the most misunderstood terms in insurance. Here's what it actually means and whether you need it in West Virginia.
What Does Full Coverage Actually Mean?
There is no official insurance policy called 'full coverage.' The term typically refers to a combination of liability insurance, comprehensive coverage, and collision coverage. Together, these three coverages protect you from most common risks — accidents you cause, accidents caused by others, theft, weather damage, and more.
What Comprehensive Coverage Covers
Comprehensive coverage pays for damage to your car from events other than collisions — including theft, vandalism, fire, hail, flooding, and hitting a deer. West Virginia drivers face significant deer collision risk, making comprehensive coverage especially valuable in this state.
What Collision Coverage Covers
Collision coverage pays to repair or replace your car after an accident, regardless of who is at fault. If you hit another car, a guardrail, or a tree, collision coverage pays for your vehicle's repairs minus your deductible.
Is Full Coverage Worth It?
Full coverage is generally worth it if your car is worth more than $5,000, if you have a loan or lease, or if you couldn't afford to replace your car out of pocket. For older vehicles with low market value, dropping comprehensive and collision and keeping only liability may save you money.
What Full Coverage Does NOT Include
Full coverage does not automatically include roadside assistance, rental car reimbursement, gap insurance, or medical payments coverage. These are separate add-ons. AG Insurance can help you build a policy that truly covers your needs.
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