All About Full Coverage Car Insurance

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Full coverage car insurance can be a misleading term when you’re searching for car insurance quotes. Insurance companies will never cover every possible situation that arises for car owners. The term “full coverage” there causes confusion to some policyholders when they attempt to make a claim for a situation that is not in fact covered after all.

Drivers and insurers use the term full coverage to describe a policy that includes state-mandated liability insurance, along with the optional coverages of comprehensive and collision:

  • Bodily injury liability covers the injuries and death for which you are responsible.
  • Property damage liability covers the damage done to someone else’s property by your car.
  • Comprehensive insurance covers damage to your car caused by vandalism, theft, or glass breakage.
  • Collision insurance covers damage to your car that’s been caused by a collision with an object.

These types of coverage come with maximum limits that you select when you create your policy.

Since liability coverages don’t protect your car in any way, it’s important to buy separate physical damage coverages. Most lienholders require physical damage coverage if you are financing or leasing your vehicle. These coverages each come with a deductible, which is the amount of money you pay before your insurance benefits kick in.

Lienholders often require full coverage car insurance – this refers to physical damages coverages of collision and comprehensive on the policy. Keep in mind that whatever insurance coverage you choose, you are bound to the terms laid out in the policy, especially with regards to the payment of claims. Read the fine print carefully before you sign.

The cost of adding collision and comprehensive coverage to your existing car insurance policy varies, so be sure to shop around and compare prices between different car insurance companies to get the best quote for you.

This article is adapted with approval from carinsurance.com: http://www.carinsurance.com/what-is-full-coverage.aspx


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YourMechanic Brake Pad Replacement Service

Average Rating

4.9/5

Number of Reviews

10,732

Rating Summary
10,227
323
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10,227
323
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82

Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

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