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Full coverage car insurance usually includes collision and comprehensive insurance alongside any state-mandated coverage. As such, full coverage may cover bodily injury, property damage, uninsured motorist, PIP, collision and comprehensive claims.
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 |
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.
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