Flor & Associates Insurance Agency

El Paso Texas Insurance Agent Flor & Associates Insurance

car insurance

What is Comprehensive Coverage?

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You have probably have heard someone say, “I have full coverage” and just nodded your head not really knowing what it really means—I have before, and I think we all have at one point! Full Coverage in the insurance world is usually referred to as Comprehensive Coverage since it means you are covered through just about any type of incident you could run into!

Comprehensive Coverage includes the normal ‘collision coverage’ which covers damage caused by a car accident no matter who is at fault, but it also includes other events such as hail, fire, flooding, and even theft! It is a good idea to have this type of coverage on a car that is new or expensive to repair since prices can get pretty high when repairing damages!

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Comprehensive Coverage can be expensive, but the premium amounts usually depend on the driver and the car that they are driving. Compared to a 18 year old in a V8 coupe with 3 tickets to their name already, a 35 year old driving a truck with a solid driving record will have a much lower premium!

In sum, Comprehensive coverage can be a great way to mitigate the damage to your checkbook after an accident, as well as helping repair your car!

What Is Liability Car Insurance?

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Every car on the road has auto insurance (Or at least should!) and with something so common in every driver’s life it becomes necessary to know about car insurance and the different types of coverages that exist out there!

In some states, you can have what is called “liability insurance”, and with this your insurance company should cover the repairs to the other person’s car if you are at fault, but in this scenario you will have to pay for your own repairs. Keep in mind these coverage plans do have liability coverage limits, so there is a limit as to how much can be paid to the other driver!

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Liability car insurance is usually the cheapest option to have (Still can be expensive ifyou have a less than stellar driving record!), but there are some cases that you cannot have this type of coverage and will have to elect for more expensive coverage. For instance, if you have a new car that is financed through a bank you will not be able to have this type of insurance since the bank wants the car to be repaired even if you are at fault! But if you own your car outright, are a safe driver, and want to save some money this might be the option for you!