Many people say they have “full coverage”, believing they are adequately insured. However, when asked the specifics of what coverage they actually own, they generally have no idea. This helps explain what Full Coverage really is.

I have represented people involved in automobile accidents for more than 20 years. During my initial meetings with clients, one of the most important topics of conversation is the insurance coverage they purchased for their own auto. Many people tell me they have “full coverage”, believing they are adequately insured. However, when I ask the specifics of what coverage they actually own, they generally have no idea. Do they have bodily injury coverage, which protects them if they cause injury to a third party? Did their agent explain to them the need for uninsured motorist coverage to protect them if they are injured by an uninsured driver, and did they purchase it? What limits of coverage did they actually buy? They simply do not know.