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What does "full coverage" car insurance actually mean?

If you were sold "full coverage" car insurance, you might think that you'll be completely covered if you're involved in a car accident. However, "full coverage" car insurance might not actually cover what you think it does.

The label "full coverage" is a marketing trick that offers protection for any car damage and personal injury liability, but it does not offer an unlimited amount of coverage in any situation. In fact, it's very common to be sold "full coverage" car insurance that only comes with the state-minimum liability limits, which is only $25,000 in Illinois. Sometimes, uninsured or underinsured motorist coverage (UM/UIM) isn't even included.

If you want to be well-protected, you need to make sure that your liability and UM/UIM limits are high enough. It is in your best interest to you have at least a $250,000 limit for liability and UM/UIM. A $25,000 policy limit will not be enough to cover your injuries since emergency room visits, MRI exams, and x-rays alone can often exceed $25,000. By having higher UM/UIM policy limits, you're protected if you're hurt in a car accident the other driver's insurance policy won't be enough to compensate you for your injuries. It'll also protect you if the other driver has no insurance. You can't control what type of insurance everyone has, but you can control you have. For more information, please read our blog entry on the importance on UM/UIM coverage.

Having "full coverage" alone just isn't enough. You should make sure you know exactly how much protection you have in your policy so you're not surprised when you need it most. If you are hurt in a car crash, contact a personal injury attorney immediately to discuss every option for recovery. 

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