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Home » Full Coverage Auto Insurance
March 16, 2023

Full Coverage Auto Insurance

What is full coverage auto insurance?

Full coverage or comprehensive and collision coverage is a type of insurance policy that covers physical damage to your vehicle caused by an accident, theft, fire, or other covered events. This coverage includes the repairs or replacement cost of your car after it is damaged in any of these events.


How does full coverage auto insurance work in Missouri?

In Missouri, the culpable party is responsible for covering all damage compensation and medical bills associated with an accident. Nonetheless, if both parties are found partially at fault, each insurance carrier will settle the claim proportionately to their degree of responsibility.


What if the party responsible for the accident doesn’t have insurance coverage in Missouri?

All motorists in Missouri are mandated to carry liability insurance; however, sometimes policies can be cancelled. If the person responsible for causing the accident lacks any form of coverage, your full-coverage auto insurance will provide uninsured motorist coverage as a safeguard against financial loss and damages  

Do I have to pay my deductible if I am found not at fault?

If the accident isn’t your fault, you can rest easy knowing that their insurance will cover any damages up to a certain limit. But don’t forget—if they lack coverage, then it’s time for you to pull out your wallet and pay your deductible in order to repair or replace what was damaged during the crash.

In the event of a collision, your insurance company will strive to retrieve damages from the other driver. If they are successful, you may be eligible for reimbursement on your deductible amount.


Does full coverage insurance cover deer collisions?

Yes, it does. Collisions with a deer or any other animal is covered under the comprehensive part of your auto insurance policy. You are still responsible to pay your deductible.

Collision with an animal does not add any points to your record, but if you have multiple comprehensive claims it can cause an increase in your insurance premium.


What else does comprehensive coverage include?

Comprehensive is often referred to as “other than collision” coverage. This type of full coverage auto insurance includes protection from the unexpected, such as damage caused by hail, fire, theft, and vandalism. Again, your deductible applies if any of those damages occur.


If I’m the only one in an accident, will my full coverage insurance policy provide protection?

If you find yourself in an unfortunate accident, such as hitting a guard rail or driving into a ditch with no other vehicles involved, your comprehensive and collision policy will provide protection. However, intentionally caused damages to your vehicle are not covered by any insurance provider.


Why am I required to get full coverage when I purchase my car?

If you obtained your car through a financial institution loan, then comprehensive and collision coverage are necessities for the full duration of the loan. This is because banks want to be compensated for their investment should anything happen to your vehicle – they own it until it’s paid off!

Once this has been achieved, however, you can drop down from comprehensive and collision coverage back to liability only insurance if desired.


Does rental car and roadside assistance come with full coverage insurance?

When purchasing full coverage auto insurance, a rental car and roadside assistance plan are optional extras that increase your premiums. An agent or the insurance company will likely ask if you’d like to add them while creating your policy.


If my car is totaled in an accident, does my insurance pay off my loan?

If your automobile is deemed a total loss, then your insurance will cover the damages. The settlement offered by the insurer depends on several factors – age of vehicle, current mileage and condition prior to accident. This amount usually matches that of trade-in value for similar vehicles; nonetheless it might not be equal to what you owe on car loan. In such cases, you are liable for paying off any remaining balance from car loan yourself.

To avoid this unfortunate situation, consider obtaining GAP insurance for your policy when selecting coverage. However, bear in mind that not all insurers provide this service.


What is GAP insurance?

If you’re looking to protect your shiny, new car, GAP insurance or Guaranteed Asset Protection should be at the top of your list. This is an additional coverage you can either add onto your existing auto policy or purchase from a dealership when buying a vehicle.

GAP coverage is an incredibly beneficial form of auto insurance in case your car is totaled due to a collision, as it pays the difference between what you owe on your auto loan and the value of your vehicle. To be eligible for this coverage with most companies, your automobile must be three years old or newer.


Discover the benefits of full coverage auto insurance by speaking with our team at 816.453.7722 or request a complimentary quote online today!


Categories: Auto Insurance

Tags: full coverage auto insurance

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