fullcoverage

Full coverage is an informal term used in the United States to describe an auto insurance policy that provides a broad range of protections beyond the state's minimum required liability coverage. Unlike a formal policy category, "full coverage" lacks a universal definition and the specific coverages and limits depend on the insurer, the policy language, and state law. In practice, it typically includes liability coverage for injuries or property damage you cause, plus physical damage protection to your own vehicle, such as collision coverage and comprehensive coverage. Additional protections, such as uninsured/underinsured motorist, medical payments or personal injury protection, rental reimbursement, and roadside assistance, may be included or available as add-ons.

Coverage is subject to deductibles and policy limits. Collision coverage pays for damage to your car after a collision, subject to a deductible. Comprehensive coverage covers non-collision-related damage (theft, fire, weather, vandalism), also subject to a deductible. Liability coverage has limits that apply to others' injuries or property damage; choosing higher limits increases premium and reduces out-of-pocket exposure. The term is not a substitute for understanding the policy language; "full coverage" can still leave you exposed to gaps such as high deductibles, omitted optional coverages, or underinsured motorist limits. Reading the declarations page and endorsements is essential to know exactly what is insured and at what limit.

Considerations include your vehicle's value, your financial situation, and risk tolerance. If you own a new or expensive car, or if you have a loan or lease, lenders often require full coverage; otherwise you may choose a lesser level of protection to control costs.