Is comprehensive and collision insurance the same as full coverage?

Question

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.

Full coverage insurance costs can vary wildly depending on your state and what car you drive, since coverage types like collision and comprehensive are based on a car’s actual cash value. To learn more, check out WalletHub’s guide to full coverage car insurance and compare the cheapest full coverage car insurance companies.

show less

Answer 1 · 2022-04-22 11:02:15

see this user

McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 04/22/22 This answer was first published on 04/22/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

No, comprehensive and collision insurance are not the same as full coverage. Full coverage typically includes comprehensive insurance and collision insurance, but it also has any state-mandated types of insurance, such as liability insurance, personal injury protection (PIP) and uninsured motorist coverage.

Differences Between Full Coverage and Comprehensive/Collision Insurance

Feature	Full Coverage	Comprehensive and Collision
Required by State Law?	Never	Never
Covers Your Injuries?	Sometimes	No
Covers Other Drivers’ Injuries?	Yes	No
Covers Your Vehicle Damage?	Yes	Yes
Covers Other Drivers’ Vehicle Damage?	Yes	No
Includes Liability Insurance?	Yes	No
Includes PIP?	Sometimes	No
Includes Uninsured Motorist Coverage?	Sometimes	No

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.

To learn more, check out WalletHub’s guides to full coverage insurance, collision insurance, and comprehensive coverage.

Is comprehensive and collision insurance the same as full coverage?

McKayla Girardin, Car Insurance Writer

Differences Between Full Coverage and Comprehensive/Collision Insurance

Find Cheap Car Insurance

People also ask

Is collision part of full coverage?

What is full coverage insurance?

Is full coverage better than comprehensive?

Join WalletHub