05/09/2026
โFull coverageโ doesnโt actually mean what many people think it does. ๐
There is no single insurance policy that automatically covers everything that could happen to your vehicle or to you after an accident.
Depending on the policy and circumstances, different types of cover may apply, including:
๐น Liability / Bodily Injury โ cover relating to injuries caused to another person.
๐น Uninsured / Underinsured Motorist โ protection that may apply when the other driver has no insurance or insufficient cover.
๐น Medical Payments Coverage โ cover that may help with certain medical expenses.
๐น Comprehensive / Collision โ cover relating to damage to your own vehicle.
The important point?
Donโt assume that having โfull coverageโ means youโre covered for everything.
Your actual protection depends on the specific terms, conditions, exclusions and limits of your policy.
If youโve been involved in a road traffic accident, understanding your rights and the insurance position can make a significant difference.
If youโre unsure about your position after an accident, speak to a solicitor before making important decisions about your claim.
๐ 01 903 6250
๐ gary.ie