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full-coverage auto insurance adds collision and comprehensive coverage to the basic liability requirements as mandated by your state. It’s a great option for drivers with poor driving records who don’t want to risk paying out-of-pocket for expensive car damages, but low-risk drivers should look elsewhere for their
” refers to a type of insurance policy—not just one specific type of coverage. The exact definition and inclusions of full-coverage insurance vary from provider to provider, but if you’re ever they always include at least the three following types of coverage:
This covers the medical bills and repair costs for other drivers in accidents that you cause. Almost every state requires drivers to carry minimum amounts of liability insurance.
This pays towards vehicle repairs or replacement after a collision with another vehicle or stationary object. Collision insurance is not required by any state laws but may be required by a lender.
Also called “Other than collision coverage”, this pays towards vehicle repairs or replacement for certain non-collision events like fire, flooding, theft, vandalism, natural disasters, and more. Like collision insurance, this is not legally required but could be required by a lender.
While some providers may include other types of coverage in their full-coverage policies, these are the coverages you’ll need to fulfill full-coverage requirements for a
A full-coverage policy from National General sticks to these three basic tenements, fulfilling all the legal requirements of a basic liability-only policy—usually including certain limits of
Contrary to its name, full coverage insurance does not actually cover everything. It covers a full spectrum of unexpected vehicle damages, but there are many other types of insurance to consider for a well-rounded policy.
The “full coverage” label is an easy way for insurance providers and lenders to distinguish certain policies from basic liability-only policies—the key difference being that full coverage allows you to
for your own vehicle. That’s why this is such a good idea for newer cars with higher values and often required for leased or financed cars.
However, a full-coverage insurance policy does not allow drivers to file claims for their own medical bills, and there are certain situations where full coverage alone might not be enough. Here are some other coverage options that National General customers should consider.
Other types of National General auto insurance coverage
If you’re in an accident with a driver who doesn’t carry enough—or any—liability insurance, National General’s uninsured/underinsured motorist coverage will pay for the gap between your medical costs and the at-fault driver’s coverage. This will be included in your full-coverage insurance if your state requires it.
Also known as MedPay, this type of coverage from National General covers the medical costs of you and your passengers after an accident, regardless of who is at fault.
While technically not insurance coverage, National General’s Motor Club is a worthwhile membership program for access to 24/7 unlimited towing services and up to $750 in emergency expense reimbursement if you experience car troubles far from home.
who want to protect their vehicle from accidents and other unforeseen circumstances. However, drivers with good records and strong credit should look elsewhere to find more affordable full-coverage rates.
Even though full coverage isn’t legally required in any state, lenders will often require you to carry
Benefits of full coverage National General car insurance
National General full coverage insurance comes with the following benefits:
It fulfills all common requirements mandated by both state laws and lenders.
Drivers in areas with high crime rates, dangerous traffic, and severe weather patterns have more guaranteed protection for their vehicles.
You can claim to replace a vehicle that’s declared a total loss.
National General proves $500 in emergency expense allowance for food, travel, and lodging costs after a covered claim far from home.
Full coverage is almost always worth it for the peace of mind it provides for anyone who owns a high-value vehicle (whatever that means to you), especially if you live in an area with a lot of risk factors.
Drawbacks to full coverage National General car insurance
That said, National General full coverage insurance has its fair share of drawbacks:
Full coverage is more expensive than liability-only.
Making any claims through your full-coverage add-ons will increase your premiums.
Does National General have the best full coverage auto insurance?
National General’s full coverage insurance isn’t very different from any other provider’s full coverage insurance. However, they do have their own approach for
compared to other providers—and it rarely works out in the average driver’s favor.
National General offers favorable car insurance rates for drivers in high-risk categories, such as those with previous violations on their record or poor credit scores. Compared to other providers, National General’s algorithm does not reward drivers who have
That doesn’t mean that high-risk drivers are out here getting better rates from the National General than their low-risk counterparts. Rather, it means that it’s easier for drivers to find more
, who are all more likely to reward these drivers with competitive premiums. But no matter what your driver profile looks like, the only way to know you’ve gotten the best rate is to compare three to five offers from multiple providers before committing to a policy.
National General’s full-coverage insurance is a good option for high-risk drivers who need it to fulfill a loan requirement or who want it for a high-value car. However, drivers with clean records and high credit would be better off shopping for full coverage from a different provider, since National General’s premiums tend to be more expensive, on average.
Full coverage may not be worth it for older vehicles with a lot of mileage depending on their value. Generally, it’s up to you, but you can likely skip full coverage if the cost of your deductible or premium outweighs the
What is the difference between full coverage and liability coverage?
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Liability coverage is required by most states and pays for the medical bills and property damage that you might cause to others in an accident. Full coverage is not required by any state’s laws and includes additional coverage in the form of collision and comprehensive insurance that allows you to file claims for damages to your own vehicle in certain situations.
What is a deductible?
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The deductible on your comprehensive or collision insurance is the amount that you would have to pay out of pocket before your insurance benefits would kick in. For example, if you want to file a claim for $11,000 in collision damage but you have a $1000 deductible, you would have to pay$1000 towards the repairs before your insurance would cover the remaining $10,000.