What does full coverage car insurance mean?

To truly have “full coverage” on automobile insurance, you would need to have liability, medical payments, comprehensive coverage, collision coverage, emergency road service, car rental coverage, uninsured motorist, underinsured motorist, death, dismemberment and loss of sight, and loss of earnings. The confusion comes in because some of the above coverages are optional and have to be chosen to be included in one’s policy. Phyllis and her team make sure they are communicating with all clients about what their options are when it comes to auto insurance coverage. It’s important for people to not only know their coverage options, but understand them so they can make an informed decision when it comes to getting comprehensive coverage.

Phyllis Nichols

Agent/Owner

For 38 years, State Farm Agent Phyllis Nichols has been in the insurance industry, working to help clients have the perfect protection. “I have always wanted to be in a profession where I can change people’s lives on a daily basis,” she says. “This occupation definitely fills that bill.”

Sometimes, the toughest thing as a client is knowing the right questions to ask and who to ask them to. When working with Nichols, you’ll always be in the know. “That is where a trusted adviser is very important,” she says. “ We need to be able to use our knowledge and skills to help them be aware of what is available and then allow them to choose the coverages that best fit their needs.”

No matter what coverage you are searching for, Nichols and her team will work tirelessly to make sure you have the policy and outcome you need. “Whether they are seeking coverage or needing help with a claim, we are there walking side by side with them to help determine a positive outcome for them,” she says.