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Does full coverage insurance cover me if I drive someone else’s car?

Full coverage insurance typically covers the car you own or lease. If you drive someone else’s car, their insurance would usually cover any accidents. It’s essential to check with the car owner’s insurance company to make sure you’re protected. Some policies might offer limited coverage for driving other cars, but always clarify with the insurance provider to avoid any surprises. Driving someone else’s car without proper insurance could result in you being liable for any damages or injuries, so it’s crucial to be informed about what is covered before getting behind the wheel.

What is the difference between full coverage and comprehensive coverage?

Full coverage typically refers to auto insurance policies that include liability, collision, and comprehensive coverage. Liability insurance helps pay for others’ injuries or damages, while collision coverage helps pay for damage to your own car in an accident. Comprehensive coverage, on the other hand, helps pay for damage to your car from things like theft, vandalism, or natural disasters. So, while full coverage includes liability, collision, and comprehensive coverage, comprehensive coverage specifically focuses on damages to your car from certain incidents.

Does full coverage insurance cover damage to my car caused by faulty repairs?

Yes, full coverage insurance may cover damage to your car caused by faulty repairs. However, it’s important to check your policy to see if this type of damage is included. If it is not covered, you may need to file a claim with the repair shop’s insurance or seek legal action to recoup the costs. Be sure to keep records of the repairs and any damage caused by them to support your claim. It’s always best to report any issues to your insurance provider as soon as possible to determine the best course of action.

Does full coverage insurance cover damage caused by a hit-and-run driver?

If you have full coverage insurance, you can usually get help with the repairs or replacements needed after a hit-and-run incident. This type of insurance includes both collision coverage, which pays for damage to your car from accidents, and uninsured motorist coverage, which covers the costs if the at-fault driver is uninsured or cannot be identified, like in a hit-and-run. It is important to check the specific details of your policy to make sure you are covered in these situations.