When it comes to auto insurance in Reading, Sinking Spring, Wyomissing, Myerstown, Wernersville, PA, and the surrounding areas, drivers want to know they have peace of mind that if they ever get into an accident, their insurance will provide the coverage that they desire. At Stubbs Insurance Associates, we want the same thing as our clients, but it is important to understand what full coverage means, both to the client as well as the insurance company. The term ‘full coverage’ isn’t really a coverage option at all, and no insurance company will be able to cover every situation with 100% certainty. So, it is important to understand what this really means in practicality, and then to get to a coverage level that makes you feel confident to drive without feeling like you can’t afford to get into an accident. Contact our team today to review your auto insurance and coverage levels.
What Coverages Do You Really Need
Nearly anywhere you live, you are required to have car insurance on your vehicles. But this mandate only provides for a minimum of coverage levels, and these amounts are typically very low. You must have liability coverage, uninsured/underinsured motorist coverage, as well as personal injury protection, with this last one not always mandated. But is this really enough insurance? When it comes to lenders and auto loans, the answer is “no”.
If that isn’t enough, what else do you need for a lender to consider you having the proverbial “full coverage” for your insurance? Collision coverage and comprehensive coverage are the two missing pieces for lenders. The former is for when your vehicle hits another vehicle or object, like a tree. The latter is for when something happens to your vehicle, like a tree falling on it.
So, If I Add Those, I’m Good?
Not so fast, partner. While all of the above certainly provides a much larger blanket of protection, there are yet other options that drivers may want to include for a truly “full coverage” option. This can include things like rental car coverage, so you can have a vehicle to drive while yours is getting fixed, or roadside service for when your vehicle doesn’t want to work and you’re stuck in the middle of nowhere. These extra coverages can really help at the right times.
So, what is full coverage then? It means different things to different people and entities in Reading, Sinking Spring, Wyomissing, Myerstown, Wernersville, PA, and the surrounding areas, and you will need to figure out just how much coverage in each of these areas you are wanting and needing. When you work with Stubbs Insurance Associates, we can provide you with all of the details for each kind of coverage that you are seeking. Contact us today to schedule a time to review your auto insurance coverages.
