What Does Full Coverage Cover On Auto Insurance?

  1. 155 POINTS
    Jared Wilson
    Insurance Agent, N. Holobaugh Insurance, United States
    Full coverage on auto insurance covers the physical damage done to YOUR vehicle. Liability coverage only will cover claims brought against you in an accident. "Full coverage" has two parts, comprehensive coverage (if a tree falls on your car, or a hail storm does damage to your vehicle, basically most occurrences when you are not in the vehicle), and collision coverage, which covers the physical damage done to your vehicle in an accident. You can choose to get comprehensive only, or comprehensive and collision, but not collision without comprehensive. Note: the deductibles for each can be different. You will typically save more money by raising your collision deductible compared to raising your comprehensive deductible.
    Answered on April 8, 2013
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  2. 400 POINTS
    Zachary Wright
    Owner, Wright Insurance Agency, Great Pittsburgh Area
    It simply means that you have both liability and collision / other collision deductibles, but full coverage is a nice term used by most car salespeople. You can have state minimum coverage and have what they call full coverage, but if you're carrying state minimum coverage that will probably be an issue if you have more than a fender bender. The best thing to do is to contact a local independent agent and see what you need to protect. Based on studies, 75% of all people are under insured on their auto and with 1 out of 6 people in the U.S. not having insurance, that is a deadly combination.
    Answered on April 9, 2013
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  3. 1844 POINTS
    David W. Clausen
    Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
    That is a good question. "Full Coverage" is an insurance slang term-generally applied to Collision and Comprehensive coverage. I tell my staff to avoid using the term because many clients could get confused and believe they are covered for everything. My suggestion would be to reach out to your local independent agent to discuss the right liability options and physical damage options for you.
    Answered on August 25, 2015
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