Definition: The term "full coverage car insurance" refers to a type of comprehensive (or third-party) liability insurance policy that covers the full extent of your vehicle's damage or loss, regardless of fault or negligence.
Definition: A fully comprehensive (third-party) liability policy is designed to provide protection against all types of damages, whether due to fault or not. This means it covers your car and its contents (like your belongings), as well as any other property that you own, such as your home or business. Full coverage typically includes cover for bodily injury and property damage caused by someone else's actions.
Some key features include:
1.
Coverages
: The policy typically has a set amount of liability coverage that can be extended to additional vehicles on the same policy.
2.
Coverage limits
: Each level of coverage covers different areas, such as collision, comprehensive (third-party), underinsured/uninsured, or not-insured (no fault) damages.
3.
Exclusions
: The policy excludes certain types of damage, like theft, vandalism, or intentional harm to property.
4.
Coverage for accidents and injuries
: Full coverage includes protection against liability for damages caused by accidents and injuries.
In summary, a full coverage car insurance policy provides comprehensive protection from all types of losses if the vehicle is damaged due to your fault or not, regardless of who else was at fault. It's designed to cover you in the event that someone else's actions result in damage to your possessions and vehicles.
Understanding this concept can help ensure that you have adequate coverage when purchasing car insurance, as well as considering any specific needs or risks associated with your vehicle.
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