"Full coverage" is a vague term. It is used most frequently to insure your own vehicle itself regardless of who is at fault in the accident. For possible coverage for your brother, your mother will need to look into the other party's auto insurance policy. Your mother, your brother, or your sister-in-law may have had coverage for the death like Personal Injury Protection. So, she will need to look at those policies. Your mother may need to seek legal advice, too.

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