You Might Not Be Protected: Why You Should Switch To A Full-Coverage Insurance Plan For Your Car
If you have liability-only insurance for your car right now, you might think that you've got all the coverage you need, especially if you're a good driver. Many people wrongly assume that liability-only insurance provides all the coverage they'll need for their car. Unfortunately, that's not necessarily the case. If it's time to renew the insurance plan on your personal vehicle, read the information provided below. You'll find four great reasons to change to a full-coverage policy.
Include Your Car Coverage
If your current car insurance is a liability-only plan, it's time to think about your own car. You might not realize this, but with a liability-only plan, your car isn't protected during an accident. You might think that the other driver's insurance will cover damage to your car, but that might not be the case. For instance, the other driver might not be insured. Or, the accident might end up being your fault. If either of those situations occur, you'll be left to cover the damage to your car on your own. Make sure your car is protected in an accident. Switch to a full-coverage insurance plan right away.
Insure Non-Accident Issues
If you have liability-only insurance for your car, you might not have all the coverage that you need, especially for those non-accident issues. Car accidents aren't the only things that can damage your car. Some non-accident incidents include windshield damage, hail damage, and car versus animal accidents. Unfortunately, those incidents aren't covered through liability-only insurance plans. That's where full-coverage insurance plans come into the picture. When you have a full-coverage insurance plan for your car, those non-vehicle accident issues will be covered.
Cover Your Rental Car Costs
If you haven't switched to full-coverage car insurance yet and you're involved in a car accident, you could be left without transportation. That's because liability-only insurance plans don't offer rental car coverage. That means you'll be left to cover the costs for your rental car, which can be quite expensive. To make sure you have access to reliable transportation while your own car is in the body shop, upgrade your insurance plan to full coverage.
Protect Your Personal Assets
If you don't have full-coverage car insurance and you're at-fault for a major car accident, your personal assets might be at risk. Liability-only coverage doesn't always provide enough coverage for major car accidents. Unfortunately, when there isn't enough coverage, you can be held personally responsible for the additional costs. With a full-coverage insurance plan, you won't need to worry about that. Your assets will be protected through your insurance coverage.
Contact an automobile insurance company to learn more.