“Full Coverage” Doesn’t Mean You’re Fully Protected
Hi, I’m Shane Smith from Shane Smith Law.
One thing we hear all the time is:
👉 “I have full coverage.”
But here’s the problem:
👉 “Full coverage” means something different depending on who you ask
- To the insurance company → your car is covered
- To most people → you and your family are covered
Those are not the same thing.
The Two Coverages You Need to Check
If you want real protection, there are two key coverages you should have.
1. Medical Payments Coverage (Med Pay)
Med Pay is:
- Extra coverage for your medical bills
- Usually sold in amounts like:
- $1,000
- $2,000
- $5,000
- $10,000
How It Works:
- You get hurt in an accident
- You go to the doctor
- Med Pay pays right away
👉 It helps you get treatment without waiting
Why It Matters:
- It benefits you only
- It does not reduce your settlement
- It can be critical if you don’t have health insurance
👉 This is one of the easiest ways to protect your family
2. Uninsured / Underinsured Motorist Coverage (UM/UIM)
This coverage protects you when:
- The other driver has no insurance
- The other driver doesn’t have enough insurance
Why This Is So Important:
There are many drivers on the road who:
- Have no insurance
- Carry minimum limits
If they hit you:
👉 There may not be enough money to cover your injuries
That’s where UM/UIM comes in.
👉 It steps in to protect you and your family
The Reality
If you only have “full coverage” for your car:
👉 You may still be financially exposed
Especially if:
- You’re seriously hurt
- The other driver has little or no coverage
The Bottom Line
If you review your policy, make sure you have:
- Med Pay → for immediate medical bills
- UM/UIM → for serious accidents
Because the goal is not just to fix your car.
👉 It’s to protect you and your family
You can request our free Victim’s Survival Guide to Car Accidents here:
👉 https://www.shanesmithlaw.com/car-accident-victim-survival-guide/
Or visit:
👉 https://www.shanesmithlaw.com/
In pain? Call Shane.
📞 980-999-9999
