Bradley Insurance Group, Inc.

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 Are you really fully covered?  It's an interesting term, that is thrown out loosly throughout the insurance industry.  From customers to agents and service representatives using that Terminology can be misleading at times.  In our opinion and experience no one is ever "fully covered."  There are limits on policies for bodily injury / property damage / uninsured-underinsured motorist coverage and if the damages exceed those limits, typically the customer is responsible for those amounts or they have to take action against the claimant if the were not at fault in the accident.  With Comprehensive and Collision coverage there are deductibles tied to those coverages and those deductibles come out of your pocket to get you vehicle repaired.  SO, paying out that deductible comes out of your pocket.    When I hear the term fully covered, I think or feel that term means everything is paid for.  From just the few examples above and some of the statements made in the video, this is not the case.  Which makes the term "fully-covered" an incorrect term in the insurance world.  There could be intense discussions about this but at the same time whether it's right or wrong it should bring you to the point to check and see if you have the right coverage on your vehicles and if your liability limits need to be increased.  You can never have too much coverage in today's time.  sting about your business here.

 The definition of insurance in short is to put you back the way you were before the loss occurred.  That's the definition and it's short and to the point, but as we know, insurance is anything but easy to understand and there is a lot of complex avenues within insurance.