What is Full Coverage?

            “Full coverage” in auto insurance typically refers to a combination of coverage types that provide comprehensive protection for your vehicle and liability for damages caused to others. It generally includes three main components: liability coverage, which pays for injuries or damages you cause to other people or property; collision coverage, which pays for repairs or replacement of your vehicle if it’s damaged in an accident you caused; and comprehensive coverage, which covers non-collision-related damages, such as theft, vandalism, fire, or natural disasters. While the term “full coverage” implies extensive protection, it doesn’t cover every possible scenario, like mechanical breakdowns or wear-and-tear.

             It’s important to note that “full coverage” is not a specific insurance policy or a legally defined term. The actual protections and limits depend on the policy you purchase and your state’s requirements. Drivers may also choose to add optional coverages like uninsured/underinsured motorist protection, roadside assistance, or rental car reimbursement. Therefore, understanding the specific terms of your policy is essential to knowing what is and isn’t covered under “full coverage.”