Full Coverage or State Minimum?

Do you know if you want full coverage or just the minimum required by your state when it comes to auto insurance?  People use the term full coverage pretty loosely.  That being said, do you have a complete understanding of what full coverage actually means?  It might not be exactly what you think.

Full coverage isn’t actually a certain type of coverage that is offered to customers by insurance carriers.  There is no full coverage box for your agent to check on your policy.  This is a term that has evolved when it comes to the industry of insurance but there isn’t a set of rules for carriers to follow for it and as such, it can be interpreted in a variety of ways.

Basic Full Coverage

Every state in the US has laws regarding auto insurance.  The core of it is that you must have at least some.  The requirements as to how much and what type will vary from state to state. Typically, though, most states will require liability for property damage and personal injury.

Full coverage insurance will typically enhance that coverage by adding comprehensive coverage to it.  This can be used to cover things that can occur with your vehicle that don’t necessarily involve a collision. Most of the time, you cannot have what is deemed to be full coverage without this type of coverage.

If you are in the Huntington, TX area and have questions about auto insurance, call or come by Integra Insurance Services today.  We are staffed with friendly and knowledgeable agents who can help you gain a better understanding of the types of coverages that are required in Texas as well as what types of coverage you will need beyond that.  They are ready and waiting to help you as soon as you contact them.