If you’ve ever heard someone say, “Don’t worry, I have full coverage,” you’re not alone and that phrase causes more confusion than almost anything else in auto insurance.
Because “full coverage” isn’t a standardized package. One person’s “full coverage” might mean collision and comprehensive only. Another person might have low liability limits. Another might be missing Uninsured Motorist entirely.
Instead of relying on the phrase, here’s what to actually look at:
The 3 questions to ask yourself:
-
If I hurt someone in an accident, do my liability limits protect me?
-
If someone hits me and they’re uninsured or underinsured, am I protected?
-
If my car is damaged (crash, theft, storm), do I want the policy to repair/replace it?
A simple rule:
You don’t want to learn what your policy doesn’t cover while you’re dealing with a tow truck and medical visits.
If you want, we can review your current auto policy and explain what you actually have (and what it’s designed to do).
📞 305-418-4701 | 📧
— Just Insurance Brokers
