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Full coverage insurance is a comprehensive auto insurance option that provides a higher protection level than basic liability coverage. It’s like a safety net that helps protect you and your vehicle.

Components of full coverage insurance

  • Collision coverage -This pays for damages to your vehicle if you’re involved in an accident, regardless of who is at fault. Whether it’s a collision with another car or an object like a tree, this coverage helps with repair or replacement costs.
  • Comprehensive coverage – Beyond collisions, this covers damage to your car caused by non-collision events, such as theft, vandalism, natural disasters, and falling objects like hail. It ensures you’re protected from a wide range of potential risks.
  • Liability insurance – While not always mentioned, liability coverage is typically part of full coverage policies. It helps cover costs if you’re responsible for causing injury or property damage to others in an accident.
  • Uninsured/Underinsured motorist coverage – If you’re in an accident with someone who lacks insurance or sufficient coverage, this component helps cover your medical expenses and damages.
  • Medical payments coverage – This covers your medical bills if you or your passengers are injured in an accident, regardless of fault.


Full coverage insurance is a comprehensive shield for you and your vehicle. It surpasses basic liability coverage by encompassing a range of protective components for unexpected events like theft or natural disasters. 

While it offers more extensive protection, reviewing your policy and considering your needs is essential to ensure you have the right coverage for your specific situation. Remember, while full coverage offers valuable protection, deductibles, and limits still apply. Always discuss options with your insurance provider to tailor coverage to your needs.