A car insurance policy

Full coverage car insurance guarantees that all the critical parts of the car insurance are covered. These include property damage, bodily injury, collision, uninsured motorist, personal injury protection (PIP), and comprehensive. It is a legal requirement to carry half of these coverages for the safety of both parties. Most drivers opt for this as it provides excellent financial protection.

Liability Insurance


Liability insurance covers injury/damages done by you to the other party and their car. You are required to carry this insurance by law. It helps cut down expenses. Property damage (PD) and bodily injury (BI) liability insurance are two main types.


Uninsured/Underinsured Motorist BI and PD Insurance

An uninsured/underinsured motorist insurance works the same as property damage (PD) and bodily injury (BI) liability insurance. The only difference is that it is used if you get into a severe accident with a driver without car insurance who was found to be at fault.


First-Party Benefits


Many types of insurance fall under first-party benefits and constitute the second part of full coverage. In some states, it is not mandatory to carry this insurance coverage. It is also more expensive compared to other insurance coverage plans. However, the main benefit is that you can also use this for the damages and medical expenses done to you and your car.


Personal Injury Protection (PIP)

Personal injury protection is like bodily injury insurance (BI) for your injuries. It provides you additional protection when combined with your health insurance. The best part of having this insurance is that it pays regardless of its fault. If you’ve been hurt in a severe car accident, you must fill through your injury protection and pay for your medical expenses.


Collision Insurance and Comprehensive Insurance


Collision insurance is similar to personal injury protection (PIP) for your car. You can easily file through your collision insurance to repair any damage to your car caused by an accident. You don’t have to wait for the other party to pay up; it works best when the at-fault driver runs away.


Comprehensive coverage is much similar to collision insurance; however, the critical difference is that it only covers destruction to your vehicle caused by external factors. That includes hail, a branch falling on your car, car vandalism, etc.


Work With an Experienced Automobile Insurance Service Provider in San Angelo


If you’re looking for a dependable insurance service provider, Pronto Insurance offers various insurance services, including automobile insurance, to the people of San Angelo.


Contact them today to learn more about their automobile insurance services.

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