What Is Full Coverage Car Insurance?

A lot people use the term full coverage when describing the amount of car insurance they desire. I have found that full coverage can mean different things to different people. Let’s review what full coverage car insurance looks like.Quick caveat: Every situation is different and as an insured, you assume some financial risk with the use of deductibles and different policy limits, but with that said, here are the main coverage’s to consider for full coverage:

Car Insurance Claim
Car Insurance Claim

Liability

This is what the State of Washington requires you to have. If you cause an accident and people are hurt, you could be held legally responsible for medical costs for everyone involved. The state minimums are 25,000 per person/$50,000 per occurrence with $10,000 property damage.

Uninsured/Underinsured Motorist

Washington State requires that drivers have insurance, but not everyone obeys the law. If a driver with minimum or no insurance runs into you, you could be left paying the bill. Uninsured motorist fills in that gap.

Medical Payments/PIP

This coverage can help pay for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in an accident. This coverage also applies if you are a pedestrian struck by a car.

Collision

Collision coverage pays for damage to your car if you collide with another car or something else such as a tree or building. Typically, a deductible paid by the insured applies. The lower your deductible is, the more expensive your premium, and vice versa.

Comprehensive

Comprehensive coverage generally pays for damage to your car cause by something other than a collision, such as theft, storm damage or a rock chip to a windshield. Hitting an animal like a deer is also covered by Comprehensive.

Rental Car

Rental car coverage is triggered by a collision accident. We often are asked if rental car kicks in when someone’s car breaks down, but unfortunately it is not.

Towing

Towing is an important but often over-looked coverage. It is very inexpensive to add to your policy, and it covers not only towing, but refueling, jump-stars, tire changes and lockouts. So to summarize, it is important to review your car insurance policy at least annually to make sure you have all the coverage’s you thought you had. The last thing you want is to hit a deer and find out that it is not covered because you declined comprehensive.

To learn more about full coverage car insurance or to get a quote please call Matt Elwood at 360-452-9200 or visit his Allstate Agency Website at www.allstate.com/mattelwood

 

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Drivewise By Allstate Insurance

Are you a safe driver? Would you like to save more money on your car insurance? Sign up for Allstate Drivewise and get 10% off your premium just for enrolling, save up to 30% at renewal and view your driving performance online.

Drivewise
Drivewise

How Does Drivewise Work?

1. Sign up. Get an immediate 10% off your premium just for enrolling. 2. Plug in. Allstate will send you a small device that easily plus into your car’s OBD-II port under your dashboard. 3. Drive Safely. 4. Save. Drivewise collects your car’s driving data. You can track your data and savings online.

Safety Pays

The Drivewise device collects data on four driving behaviors to determine your performance discount at renewal of up to 30%.

1. Low Mileage – Drivers who average around 35-40 miles per day or les are more likely to save. 2. Safe Speed – Performance is improved by avoiding high speeds. 3. Safe Hours – Avoid driving on weekdays between 11 p.m. to 4 a.m. and weekends 11 p.m. to 5 a.m. 4. Safe Stops – Save even more by maintaining a safe distance from the car in front of you and avoiding hard stops.

More Details

Existing customers can enroll at renewal. You have to have an active email address and be in Allstate’s AFCIC auto policy, which is our most current policy as of this writing. Not all cars are eligible. If your vehicle is a hybrid, electric, diesel, or if you use the On-Star monthly performance review, you would not be able to install this device. Your performance rating and discount, if any, will apply per vehicle, rather than by driver. Even if your driving performance doesn’t help you earn a discount, the data we collect will not increase your premium.

Want to learn more? Watch our Drivewise installation video.

If you have questions or would like to enroll, please contact us at 360-452-9200.

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.