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Full coverage car insurance covers damage to your vehicle, others’ medical bills, and repairs to others’ property, and it may cover accidents with uninsured motorists and medical expenses for you and your passengers. Full coverage includes the car insurance required by your state, plus collision and comprehensive insurance.
What Common Components of Full Coverage Car Insurance Cover
| Type of Insurance | What It Covers |
| Injuries to other people and damage to other people’s property caused by the policyholder | |
| Damage to the policyholder’s car after an accident | |
| Damage to the policyholder’s car after something besides an accident, like vandalism or theft | |
| The policyholder’s injuries or damage to their property if a driver without insurance or without enough insurance was at fault | |
| Injuries to the policyholder after an accident regardless of who was at fault, plus indirect expenses like lost wages | |
| Injuries to the policyholder after an accident regardless of who was at fault |
Example of How Full Coverage Insurance Works
Full coverage insurance covers expenses for both you and other drivers if you are at fault in an accident, since it includes liability insurance as well as other types of coverage like collision insurance and personal injury protection.
For instance, let’s say Driver A has a full coverage policy and causes an accident that damages Driver A’s car as well as Driver B’s vehicle. Since Driver A is at fault, their property damage liability insurance will cover the cost to repair Driver B’s vehicle, up to Driver A’s preset policy limits. Since Driver A has full coverage, Driver A’s vehicle damage would be covered by their own collision insurance, minus any deductible.
Full Coverage Varies by State
Since some states require more types of coverage than others, the exact standards for “full coverage” insurance differ. Most states require all drivers to have a minimum amount of liability insurance, but some states have requirements for personal injury protection or MedPay, too. Some also require a specified amount of uninsured/underinsured motorist coverage.
To learn more, check out WalletHub’s guide to full coverage insurance.
People also ask
What is full coverage insurance?
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.
Common Definitions for Full Coverage
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Does full coverage cover at fault accidents?
Yes, full coverage does cover at-fault accidents. Damage to your own vehicle after an at-fault accident is covered by your collision insurance, while the other driver’s vehicle damage and medical expenses will be covered by your liability insurance. Your own medical expenses are covered by your health insurance, personal injury protection or MedPay, if applicable.
What to Do if an At-Fault Accident Occurs
- File a police report as soon as possible.
- File a claim with your insurer...
Is comprehensive insurance the same as full coverage?
No, comprehensive insurance is not full coverage, but it is a key component of full coverage car insurance, along 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
| Aspects | Comprehensive Insurance | Full Coverage Insurance |
| Average Annual Cost | ... | $1,997 |
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