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What is Full Coverage Auto Insurance?

Full coverage insurance is not so much a single type of insurance, but more of a term used to describe when someone purchases all three of the below coverages:

  1. Liability: This is the insurance that covers the other party’s injuries and property damage in the event you are at fault in an accident. Nearly every state requires you purchase liability insurance. Each sets their own minimum coverage amounts, known as state minimum insurance, that typically includes bodily injury (per person and per accident) and property damage coverage.

  2. Collision: This type of coverage protects your car against damage that occurs in a crash, no matter who is at fault, including hit-and-run drivers. It also covers other types of collisions, such as hitting a tree, guardrail, telephone pole, mailbox, building, driving into a pothole or ditch, etc. It is always part of a full coverage auto insurance policy.

  3. Comprehensive: Comprehensive coverage will protect your car from non-collision incidents -- such as damage from a flood, hail, fire, vandalism, theft, etc. Adding this type of insurance on top of collision will fully protect your car.

Additional Coverage Options:

Below are additional coverage options that may be included as part of a “full coverage” policy:

  • Medical payments: Helps pay your and/or your passengers’ medical expenses if injured in a car accident, no matter who is at fault. Also known as “MedPay,” this type of coverage is required in some states, while not available in others. Learn more.

  • Personal injury protection (PIP): Also known as “no-fault” insurance, PIP covers your expenses if you are injured in an accident, no matter who is at fault. Coverage includes payments for medical expenses and lost wages. PIP is mandatory in 16 states, and optional in 7 others. Learn more.

  • Uninsured/underinsured motorist: Covers injuries and your car/property if an accident is caused by a driver with no insurance (uninsured) or with too little liability coverage (underinsured). Many states require this coverage. Learn more.

  • Roadside services: Covers the cost of towing if your vehicle becomes disabled. Often includes common roadside services and assistance, such as changing a flat tire, replacing a battery, adding fuel or oil, etc.

  • Rental reimbursement: Covers the cost of renting a car if your vehicle is in the shop for repairs or otherwise unavailable.

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