Full Coverage Insurance

Full coverage insurance typically refers to a combination of two types of car insurance: liability coverage and comprehensive coverage.

Liability coverage is the minimum amount of insurance required by most state governments. It covers the costs of any damage or injury that you may cause to another driver or their vehicle in the event of an accident for which you are at fault. The coverage is typically split into two parts: bodily injury liability coverage and property damage liability coverage.

Comprehensive coverage, on the other hand, is optional and covers damage to your own vehicle from non-collision events such as theft, vandalism, or natural disasters.

​When people refer to "full coverage" they usually mean they have purchased both liability coverage and comprehensive coverage. It is important to note that this term is not standard and defined in the car insurance industry and the definition can vary by provider and state.

It is always a good idea to check with your insurance provider for the specifics of the coverage you are paying for and make sure you are getting the coverage you need and want.