Full coverage auto insurance provides maximum protection in the event of an accident. However, you may be wondering if you need full coverage. At Palm Valley Insurance Inc. in Ponte Vedra Beach, FL, we offer full coverage and liability insurance.

What is Full Coverage Insurance? 

Full coverage auto insurance is a combination of two types of coverage and liability coverage. 

Liability coverage is required by law. If you get into an accident that is declared your fault, liability insurance covers the costs of repairs, and any medical expenses of those in the other vehicle. 

Collision coverage will cover the cost to fix or replace your vehicle in an accident, even if the accident is your fault. It gives you peace of mind, knowing your investment is protected. 

Comprehensive coverage covers damages that don’t occur when driving. This typically includes vandalism, theft, and storm damage. If your car is parked in the driveway, and a tree limb falls on it, this would be covered by comprehensive coverage. 

Who Needs Full Coverage Insurance? 

There are a few situations where full coverage insurance is a good idea. First, if you have a lien on your vehicle, your lender will require you to carry full coverage insurance. This protects their investment in the event of an accident. 

Even if you don’t have a loan for your vehicle, you may still want to choose full coverage. Essentially, if you can’t afford to repair or replace the car in the event of an accident, you should have full coverage insurance. 

Full Coverage Insurance at Palm Valley Insurance Inc

If you need full coverage auto insurance in Ponte Vedra Beach, FL, contact us at Palm Valley Insurance Inc. We will help you find the right policy for your needs.