As you can tell from the title, there are many benefits of having full size sedan car insurance. Here we will look at 10 specific benefits. These include:
1. Ability to pay for damages that may occur in an auto accident
This is the obvious benefit of having any type of car insurance policy, but it’s one that can’t be understated – especially when it comes to full size sedan car insurance. If you’re in an accident, your insurance coverage will allow you to pay for damages that may occur. The only other real option is to pay for these costs out of pocket, which can get very expensive, very quickly.
2. Protection from uninsured or under insured drivers
Unfortunately, there are many drivers on the road today who either do not have insurance coverage at all, or who are under insured. If you are in an accident with one of these drivers, your full size sedan car insurance will protect you from having to pay for any damage that they may cause. You won’t be left covering the entire expense on your own.
3. Protection from road hazards and natural disasters
It’s inevitable, no matter where you live – there will be times when nature inflicts damage upon the roads we drive on. Whether it’s a huge sinkhole or an earthquake, your full size sedan car insurance can protect you from having to pay for such damages out of pocket.
4. Coverage for injuries to yourself or others
Full size sedan car insurance will also protect you from having to pay damages directly related to your injury, or the injury of someone else in an accident that you’re involved in – whether you’re the one who caused it or not.
5. Covers auto theft and vandalism
In an unfortunate turn of events, your car may become the victim of an auto theft or even vandalism. If this happens and you were not at fault for the incident, your full size sedan car insurance will provide coverage for repairs to your vehicle.
6. Allows you to drive legally in other countries
If you choose to visit another country and take your car along for the ride, your full size sedan car insurance will ensure that you can legally drive in that country. It will also protect you during the time that you’re visiting there.
7. Provides coverage for rental cars while yours is being repaired
If your car is damaged beyond repair and needs to be replaced, your full size sedan car insurance will allow you to rent a vehicle while your car is being repaired.
8. Covers the cost of emergency roadside assistance
Having full size sedan car insurance will also provide you with emergency roadside assistance, which can be especially helpful if you’re stranded on the side of the road and need help getting into another vehicle or repairing damage that has been done to your car.
9. Offers extra protection, like no-fault coverages and supplemental heat/air conditioning coverages
Full size sedan car insurance will also provide no-fault coverage for medical expenses to you or others involved in accidents that you may cause; as well as supplemental heat/air conditioning coverage, should either of these become defective while you’re driving.
10. Allows you to have a car alarm installed in your car
Full size sedan car insurance will also allow you to have a car alarm installed as part of your policy – which can provide an additional level of protection from theft or damage to your vehicle.
How can I protect my car in the winter?
Having full size sedan car insurance will allow you to have a vehicle equipped with an approved anti-theft device installed in your car. This may include items like a car alarm or supplemental heat/air conditioning coverages, which can be especially helpful in colder climates where extreme temperatures are possible.
Do I have to pay my deductible if I file a claim?
No. Your full size sedan car insurance premium may include a deductible, but it’s not required that you pay this upfront before you can submit a claim. Some insurance companies will allow you to pay your deductible over time, as long as you meet the specific guidelines of their policy.
If I get in an accident and someone is injured, will full size sedan car insurance cover their medical expenses?
Yes. One of the benefits of full size sedan car insurance is that it provides no-fault coverage for medical expenses. This means that even if you’re at fault, your insurer will provide coverage for the necessary medical care of any injuries that someone has sustained in the accident.
If I have full size sedan car insurance, am I required to have a car alarm installed?
No. Your full size sedan car insurance will allow you to have a vehicle equipped with an approved anti-theft device if you so choose – including a car alarm or supplemental heat/air conditioning coverage. This is not required as part of your insurance policy.
How do I ensure that my rental car is covered?
Your full size sedan car insurance will allow you to rent a vehicle if your own vehicle is being repaired. This includes any expenses related to your rental, like gas or fees – as well as damages incurred during the time that you’re renting.
In The Main
Your full size sedan car insurance will not only protect your own vehicle, but also provide additional benefits like roadside assistance and the ability to have a vehicle equipped with an approved anti-theft device installed. Talk to your agent about what specific coverage and options may be available for you and your car today.