No, comprehensive insurance is not full coverage, but it is often referred to as full coverage insurance when purchased together with collision insurance and any state-mandated types of coverage. Comprehensive insurance covers non-accident-related vehicle damage caused by things like vandalism or a natural disaster.
Comprehensive Insurance vs. Full Coverage
Full Coverage Insurance
Average Annual Cost
Required by State Law?
Includes Collision Insurance?
Includes Liability Insurance?
Includes Uninsured Motorist Coverage?
Full coverage is a catch-all term for a few different types of car insurance policies and is a phrase more commonly used by consumers than car insurance companies. Some define full coverage as a policy that protects the policyholder from anything and everything in the event of an accident, while others say it is any policy with anything beyond the minimum coverage required by law.
The difference between full coverage and comprehensive insurance is that full coverage is a car insurance policy that includes both comprehensive and collision insurance along with the state’s minimum requirements. Comprehensive insurance covers damage to a car from things other than accidents, like theft or fire.
Comprehensive insurance mostly covers events outside of a driver’s control, or incidents that happen when a car is parked. For instance, comprehensive covers vehicle damage or replacement due to natural disasters, extreme weather events, and vandalism. When combined with … read full answercollision insurance, these two types of insurance cover most incidents that could damage your car, hence the designation “full coverage.” Comprehensive and collision coverage are not mandatory in any state, but some lenders and lessors will require them on a leased or financed car.
Since every state has different car insurance requirements, full coverage can also include several other types of coverage. For example, personal injury protection (PIP) and MedPay are required in certain states, and would therefore be included in full coverage in these locations.
Finally, remember that even a supposedly full coverage policy will not cover everything. Things like rental car reimbursement while your own car is being repaired or replaced are available separately and aren’t usually included in the term full coverage.
When shopping for insurance, it’s best to look past labels like full coverage and instead consider your state’s laws and your own financial situation. And if an insurance agent or broker offers to sell you full coverage, be sure to clarify exactly what’s included.
You know you have full coverage auto insurance if you have comprehensive and collision plus any other insurance your state or lender requires. Full coverage is not an official kind of insurance, but the term generally describes a policy that protects the policyholder and their car in most situations.
If you aren’t sure what insurance you have, you can check your online account for details. Or, you can look at your … read full answercar insurance card for your insurance provider’s information and call to learn the details of your coverage. In some states, you can also find your insurance company and account number on your car’s registration.
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
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