🚗 Auto Insurance

What Does Full Coverage Auto Insurance Mean?

Full coverage is not an official policy type. It is a common phrase used to describe a policy that includes state-required liability coverage plus collision and comprehensive protection for the insured vehicle.

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What Full Coverage Usually Includes

✓ Liability coverage for bodily injury and property damage caused to others.
✓ Collision coverage for the insured vehicle after an accident.
✓ Comprehensive coverage for non-collision losses such as theft, hail, fire, vandalism, or animal strikes.

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Why Lenders Often Require It

If a vehicle has a loan or lease, the lender usually wants collision and comprehensive coverage in place so its financial interest in the car is protected.

Choosing the Right Deductible

Deductible level on collision and comprehensive affects both the premium and out-of-pocket cost after a claim. Drivers should choose a deductible they can realistically afford to pay if a loss occurs.

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FAQs

Frequently Asked Questions about Full Coverage Auto Insurance

Is full coverage required by law?

Usually no. State laws generally require liability coverage, while collision and comprehensive are often optional unless a lender or lease agreement requires them.

What does collision cover?

Collision coverage helps repair or replace the insured vehicle after a crash with another vehicle or object.

What does comprehensive cover?

Comprehensive coverage helps pay for non-collision damage such as theft, fire, hail, vandalism, flood, falling objects, or animal impact.