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West Virginia Insurance Commissioner James A. Dodrill has issued a bulletin discussing “full coverage” auto insurance. The bulletin highlights an issue with “full coverage” auto insurance as there is no exact or standard definition of “full” auto coverage in West Virginia state law, or in the insurance industry. The bulletin also pointed out that the term “full coverage” can mean different things to different people, so the term is ambiguous. Insurance is not a “one-size-fits-all” product, and insurers are generally able to offer different coverages individually based on state laws and the needs and budget of the consumer. The issue with such an approach to insurance is that a “full coverage” insurance policy from an insurance producer or agent might not always result in being offered the same set of uniform coverage. In certain circumstances, it can be misleading, confusing, or even deceptive for an insurer to market a policy as providing “full coverage” to a potential policyholder simply because it meets the state-mandated minimum coverage under West Virginia law, or minimum coverage required by a bank or lender if the policy doesn’t include all of the coverages that are available that could be beneficial to the insured.

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