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What is full coverage?

When you hear the term “full coverage”, what does that mean to you? That term gets thrown around a lot, and the definition can mean different things to different people.

Full coverage car insurance means that you have a great combination of Liability Insurance, Comprehensive Insurance and Collision Insurance. Your policy should represent all three categories well, to keep you fully covered in all scenarios.

There are other types of coverages you could add to your policy that could also help cover the rest:

Uninsured Motorist
Personal Injury Protection
Roadside Assistance
Rental Car Reimbursement
Towing Coverage

Call your car insurance agency today to find out if you’re fully covered!

Know Your Coverages

Do you know what your car insurance policy actually covers? What is insured and what is not? It’s important to understand the coverage types are available and what you’re paying for.

Here is a brief description of some of the major coverages and what they’re all about:

Property Damage Liability - This coverage type covers claims for property that your vehicle damages in a accident. This type of coverage is required in almost every US state.

Comprehensive - This coverage type covers physical damage done to your vehicle from fire, vandalism, theft, wind, flood, and other accidents not resulting from a car crash.

Collision - This coverage type covers physical damage done to your vehicle from a car accident.

Bodily Injury Liability - This coverage type covers medical and legal costs if your car injures or kills someone.

Uninsured Motorist Protection - This coverage types helps cover you if the person at fault in the accident is uninsured or under insured. This can also help pay for damage due to a hit-and-run.

These are the most basic types of coverage and most policies include all of them, but at different amounts. Make sure you go over your policy with a professional that can help you determine if you’ll be covered in an accident or disaster.

More Insurance FAQs

We recently wrote about Insurance Frequently Asked Questions and have come up with some more:

Does my credit score effect my insurance rate?
Not at Vern Fonk! We work with at least 9 different insurance companies that don’t discriminate based off of your credit score. If your score isn’t perfect, let us show you how you can get a great rate on your insurance.

What type of coverage covers damages done to my vehicle?
This depends on how the damage was caused. It can be either covered by comprehensive coverage or collision insurance.

If your car was in an accident with another vehicle or physical property it would be covered by collision insurance.

If the damaged was caused by a fallen tree, animal, fire, or if it was stolen or vandalized, a comprehensive policy would cover these damages.

Am I out of luck if I have too many tickets or accidents on my record?
Absolutely not! Vern Fonk works with over 20 different insurance companies that work with “high risk” clients. If you were turned away or quoted astronomical rates with the larger insurance companies, give us a call and we’ll get you an insurance policy you can afford.

Auto Insurance Coverages

Figuring out all the industry jargon when shopping for car insurance can be frustrating.  Knowing the limits of each category can only help you if you understand what they each mean.  The auto insurance agents at Vern Fonk are ready to help you determine just how much coverage you may need on your car insurance. We’re ready to help you understand exactly what you’re paying for and make sure you are getting the best bang for your buck.

Here are the most common types of coverages you’ll find on a typical car insurance policy:

Collision Insurance Coverage

Collision coverage helps pay for repairs and replacement to your car if your accident is at fault and involves another car, crashing into another object or rolling over.

Comprehensive Insurance Coverage

This type of coverage helps pay for repairs and replacement to your car if it has been damaged due to something that is not accident related. This may include fire, theft, vandalism, falling objects, animals (hitting on the road), and natural disasters.

Bodily Injury and Property Damage Liability Coverage

This type of coverage is the most common coverage and comes on just about every policy. The “liability” part of this coverage means “responsibility” and refers to both covering the bodily injury damage caused to people in the crash and the property damage damage done to vehicles in the crash. So basically, it helps pay for expenses for medical bills and property damage if you are at fault in an accident.

Uninsured Motorist Coverage

It has been reported that about 1 in every 7 drivers on the road are uninsured in the US. An accident with an uninsured driver can result in costs that aren’t covered by your basic liability insurance coverage on your policy. This is where uninsured motorist coverage comes in. It can help with costs associated with accidents with uninsured drivers. It’s an added protection that can help you make sure you don’t get stuck with the bill. This coverage can cover bodily injury or property damage or both.

Personal Injury Protection

Personal Injury Protection (aka PIP) helps pay for medical expenses, income loss and benefits for yourself and members of your household in the case of accidental injury or death. This can include lost wages due to injury, medical bills and other collateral costs.

These are just some of the basic coverages that many policies will cover. Speak with a Vern Fonk car insurance specialist in Washington or Oregon today to figure out how much coverage you should have on your vehicle and on yourself.


Motorcycle Insurance

Zipping along on the open road is a feeling that is hard to match. Most motorcycle riders know the joy that can come from riding on a nice day, but there’s always that uneasy feeling that something could go wrong. Having a good motorcycle insurance policy can help you feel at ease on the road.

Vern Fonk offers many different options for motorcycle insurance. Our policies can help protect the rider AND the bike from the unknown. Clients can customize their motorcycle insurance policy to fit their protection needs.

Liability insurance on your motorcycle isn’t required, but it is a good idea to consider getting it, especially if you have other assets or a home. Check out our motorcycle page on our website to see the required state minimum requirements.

We can get you a fast free quote on motorcycle insurance in Washington or Oregon. If you need coverage for your motorcycle, scooter, moped, trike or motocross bike check us out.

Do I Have Full Coverage?

The term “full coverage” can be a little confusing and misleading. The term Full Coverage in car insurance just means that you have a good combination of Liability, Comprehensive and Collision coverage on your car insurance policy. A well rounded policy can help cover you in nearly any scenario possible.

Collision Coverage. This type of coverage helps pay for damages from actual collision accidents. The collision could be with another vehicle or object (piece of property). Collision coverage covers just your vehicle and gives you the foundation for your full coverage policy.

Liability Coverage. In Washington and Oregon, there are required state minimums of Liability Coverage that must be on your car insurance policy. A lot of times just having the minimum coverage on your policy isn’t enough.  If you get into an accident, and you’re at fault it covers the damages and injury expenses you caused to that person or their property.  Medical bills and car repair bills can add up quickly, especially if more than one other person is involved, so increasing your coverage amounts to the maximum level can be wise.

Comprehensive Coverage. Comprehensive coverage is a great tool to have if something other than a collision happens to your vehicle. It covers you if something due to weather, natural disasters or falling objects damage your car and even covers damages done from fire, broken windshields, theft and vandalism.  Comprehensive coverage is the last piece needed to have “full coverage”.

Those are the 3 major coverage types for coverages to get you started with a “full coverage” car insurance policy. There are many more coverages that you can add to your account to cover you in all situations. Other common types of additional coverages could be:

Uninsured motorist coverage
Underinsured motorist coverage
Personal Injury Protection
Roadside assistance / towing coverage
Rental Car Reimbursement

Depending on what “full coverage” means to you, you’ll need to mix and add different coverages to create a car insurance policy that works for your driving needs and your budget.

Insurance for your Motorcycle

Motorcycle Insurance in Washington and OregonThe sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.

Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.

When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.

Motorcycle insurance Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.

Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.

Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.

You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.

Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!

After Accident Checklist

accidentLet’s say you’ve been in a car accident, big or small, what do you do first? Car accidents can get pretty chaotic, even if it’s just a minor fender bender. Following the basic steps lined out below can help make filing your insurance claim fun as smoothly as possible.

Safety first. Before thinking about car insurance, take a minute to make sure everyone involved is safe. If there are any injuries call an ambulance immediately. Make sure your cars are out of harms way, and if they are still running, move them off to the shoulder or a safe area. Stay calm, getting upset can only make the situation worse.

Get off the Road. If the accident is a minor fender bender it is okay to move the cars off to the side of the road. If your vehicle will not move, or it will cause further damage to move it, leave it where it is and get to a safer area. Once you’re in a safe area it is okay to start gathering information from the other driver.

Get the driver’s information. Speak to the other driver involved in the accident. Make sure they are okay, but be careful what you say.  Admitting fault and other parts of your conversation could be used against you when insurance companies get involved. Your car insurance company will need the other driver’s information to start processing your claim.  Here are some of the key things about the other driver to write down somewhere:

  • Full Name
  • Address
  • Phone Number
  • Email Address
  • Year, Make Model of their Vehicle and their License Plate Number
  • Their Insurance Company Name and Policy Number

It can also be helpful to take photos of the damage done to your vehicle, their vehicle, the location where it happened and a picture of the people involved with the accident.  If the accident was larger and there were other “witnesses” to the accident, get their information if possible too.  If there was a police officer involved with the accident get their information and the police report number if applicable.

Beautiful happy woman driving her car in the eveningAfter you have gathered all the information you should be able to start the claim process. Call your insurance company immediately and start your claim.  With the right car insurance policy, filing a claim should be pretty fast and easy. Your insurance agent should be able to help you figure everything out and get you back on the road soon.


Outerspace Coverage

Alien 3We’ve all watched movies and TV shows where aliens invade and try to take over. They usually end up in a huge battle where explosions and chaos are everywhere. The aftermath is typically a good outcome for earth, but they’re left with a huge mess to clean up. Destroyed buildings and cars everywhere.

Most of us don’t fear alien invasions on a daily basis. The idea does some very far fetched and impossible. There is, however, a more realistic threat from outer space than many don’t realize, and it happens more often than you think it would. Meteors have fallen out of the sky and caused damage to homes, buildings and cars. Every year it is estimated that 78 thousand tons fall into earths atmosphere.

meteor_1414384cAs we saw with a small town in Russia, a large meteor struck the earth and caused property damage totaling over $44 million. So you may ask yourself, would my home and car be covered if this were to happen in my neighborhood?

Most Americans with good home owner’s insurance policies can relax. Most homeowner’s policies cover “falling objects”, which would include meteorites. The amount of coverage depends on the limits you have agreed to in your policy.

What about my car? Well, that all depends on your comprehensive insurance amounts in your car insurance policy. Most comprehensive policies cover damage caused by meteors or other falling objects, but of course you’ll have to pay your deductible.

So are you prepared for outer space attacks on earth? Talk to an experienced car insurance and homeowner’s insurance agent at Vern Fonk today to make sure your home and car are covered for all of the unexpected.

Car Insurance Terms

Have you ever tried to read your car insurance policy documents?  They can get pretty confusing, using terms the average person doesn’t understand.  Knowing exactly what’s in your auto insurance policy is important because you want to make sure you’re covered correctly and that you’re not paying for anything extra.

Here are the common terms that you’ll want to be familiar with when shopping for car insurance:

  • Bodily Injury Liability Coverage: Sometimes referred to as “BI”, it pays for injuries to other people involved besides the driver in an at fault accident. This liability coverage also can cover the costs of legal fees if you are sued.
  • Comprehensive Coverage: This type of coverage covers the costs of repair on your vehicle for damage caused by an event that doesn’t involve a collision. Comprehensive coverage can help pay for repair/replacement costs due to fire, theft, windstorm, flood and theft/vandalism.
  • Collision Coverage: This coverage types covers the costs of repair to your vehicle if it collides with another object or if it flips over. This is the most common type of insurance coverage and there are typically state required minimums for protection for all cars.
  • Property Damage Liability: Sometimes referred to as (PD), it pays for damage to other people’s property from an accident where you are at fault. It can also help pay for the costs of legal fees if you are sued.
  • Uninsured/Underinsured Motorist Coverage: These types of coverages help cover you if you are in an accident and the other person at fault doesn’t have enough or any insurance to cover your repair costs or medical bills.

If you have any other questions about what the terms in your auto insurance policy mean, or if you’re looking for the best car insurance rates around, give us a call today!