Differences Between Full Coverage and Comprehensive/Collision Insurance
Comprehensive and Collision
Required by State Law?
Covers Your Injuries?
Covers Other Drivers’ Injuries?
Covers Your Vehicle Damage?
Covers Other Drivers’ Vehicle Damage?
Includes Liability Insurance?
Includes Uninsured Motorist Coverage?
Comprehensive and collision insurance only cover your vehicle repairs after an accident you cause or after an accident caused by something outside of your control, like natural disasters or vandalism. Full coverage policies will also cover those situations, in addition to covering you and your passengers if you are injured in an accident and other drivers’ injuries and property damage if you cause an accident.
Full coverage insurance is an insurance policy that protects your vehicle from accident-related and non-accident-related damage, ensuring you are covered regardless of fault. Full coverage insurance often consists of collision insurance, comprehensive insurance, and at least the minimum coverage required by state law.
“Full coverage” is a term that is more commonly used by consumers than actual car insurance companies. Because of this, there are some varying definitions.… read full answer
Common Definitions for Full Coverage
Policies that include liability, collision, and comprehensive coverage
Policies that have the state-minimum insurance plus any coverage required by a lender or lessor
Policies that provide anything more than the minimum required liability coverage
Policies that cover anything and everything in the event of an accident
Although the definition of full coverage insurance may be different depending on whom you ask, the definition shouldn’t matter too much. You should always decide what car insurance to purchase, and how much, based on your own individual coverage needs as well as your budget.
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