If you’ve ever had to buy car insurance, you’ve probably encountered the term “full coverage.” So, what exactly is full coverage car insurance? Does it provide you total protection for your car in an accident? Do you need to purchase full coverage insurance separately? Here’s what you need to know.
Though “full coverage” is a popular insurance term, it isn’t a specific type of policy. It’s a combination of different coverage types that protect your car in most scenarios. A state’s coverage requirements typically comprise full coverage auto insurance, which usually includes:
- Liability Insurance – pays for other people’s expenses but not for damages to you or your vehicle.
- Collision Insurance – covers damages to your car in accidents with other vehicles or objects, such as light posts, fences, and other things you might crash into, regardless of fault.
- Comprehensive Insurance – covers damages due to incidents that aren’t a collision, like weather events, vandalism, accidents with animals, or civil disturbances.
To learn more, here’s our guide to Understanding the Different Types of Car Insurance Coverage.