Opting to go with liability auto insurance coverage might save you a little money, but you are better off with choosing a full coverage plan. Accidents can occur no matter how careful you are when driving your vehicle, and full coverage insurance can make the situation less stressful. Take a look at the benefits of full coverage auto insurance that are compiled in the article below.
1. You Are Covered When At Fault
If you don’t have full coverage auto insurance and get into an accident, you can be left in a bad situation financially. Although the other party in the collision can get compensation from your insurance company, you will have to worry about paying the expenses for your personal needs. For instance, you won’t be able to receive money for your injuries or to repair your vehicle.
2. You Won’t Have to Spend Money On a Rental Vehicle
Getting around after your vehicle is damaged in a collision can be stressful if you have to keep it in the shop for a repair. You can end up having to ask people for rides or to spend money on public transportation. Full coverage auto insurance will give you money for a rental car while your vehicle is being repaired. However, it will depend on your specific policy as to whether the service is available, so make sure that you inquire about it. Some insurance companies will simply reimburse you for what you paid out of your own wallet for the car rental.
3. Never Worry About Getting Stranded on the Side of the Road
If your vehicle suddenly begins to malfunction and you have to pull over to the side of the road, full coverage auto insurance will give you access to roadside assistance. You will be able to call a tow truck company to transport your vehicle to an auto shop so the problem can be fixed. The tow truck driver can also give you a ride. Another service that you can take advantage of is being brought gas or oil is it is the cause of your vehicle malfunctioning.
4. Assistance When in a Collision with an Uninsured Motorist
If you get hit by an uninsured motorist, you will have to way to get compensated without filing a lawsuit. Rather than having to wait to get the lawsuit process, full coverage auto insurance will cover your expenses for vehicle repairs to the extent that your policy allows.
For auto insurance, contact a company such as Beriswill Insurance.