What is Full Coverage Auto Insurance?

There is really no such thing as “full coverage auto insurance.” No insurance company should advertise full coverage auto insurance, because it may be impossible to buy a car insurance policy where you are fully covered against every exposure. Sometimes people may say they’ve added full coverage to their car, or that their lienholder requires full coverage, when they may just be talking about comprehensive coverage for collisions and physical damage. For more information, visit our other page about full coverage auto insurance.

What most drivers and insurance agents refer to as full coverage auto insurance is a car insurance policy that may include state-mandated car insurance coverages along with collision and comprehensive physical damage coverages. Bodily injury liability covers other people’s bodily injuries and death for which you may be responsible.  Property damage liability may cover you if your car damages someone else’s property.  These coverages may come with maximum limits that you may be able to choose at the inception of the policy.

Liability coverages may not protect your car in any way, so that is why you may wish to purchase physical damage coverages. Collision insurance may cover damage to your automobile caused by a collision with another object. Comprehensive insurance may cover damage to your vehicle for damages caused by things other than collision, such as vandalism, theft, or glass breakage.

Most lienholders may require physical damage coverage if you are financing or leasing your vehicle.  These coverages may each come with a deductible, an amount due before your insurance benefits kick in. Whatever full coverage auto insurance you have may be subject to the guidelines and terms of your policy, especially with regards to the payment of claims.

If you’d like to find out more information about full coverage auto insurance, get quotes! By filling out a simple form, you can get free, no-obligation quotes.