Most people proudly say they have full coverage on their car insurance. It sounds safe and complete, but full coverage does not mean what you think it means.

Full coverage usually means you meet the state minimum legal requirements. That is the bare minimum that keeps you on the road, but not the amount that keeps you financially protected. When serious accidents happen, those limits collapse fast. A single life flight can cost more than $100,000. ICU stays and surgeries can climb into the hundreds of thousands more. Families who thought they were fully covered are left with massive bills and no safety net.

Uninsured motorist and underinsured motorist coverage exist to protect you when the other driver does not have enough insurance or none at all. Too many people waive those options because an app or online signup promised a cheaper price. Then one crash changes everything.

Good coverage means knowing your numbers. Read your declarations page and understand what you are paying for. The goal is not to find the cheapest policy. The goal is to have one that actually protects you when life hits hard. Skip one subscription or one coffee, and make sure you are truly covered before the next distracted driver looks down at their phone.

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