There is really no such thing as 'full coverage". Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage.

Yes, if you have physical damage coverage and you cause the accident then your insurance would cover it.

Here is more information on physical damage, from our Coverage Definition page.

Comprehensive Coverage (Other Than Collision or OTC):

Covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.

How much protection does this coverage provide?

The amount you see typically refers to the deductible, or the portion of a claim you’re responsible for paying.

A higher deductible can substantially lower the cost of insurance premiums. You should balance this savings against your ability to absorb a larger out-of-pocket expense.
For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,500, you will pay $1,000 and your insurance company will pay $500.

Who might benefit from buying Comprehensive coverage?

• If your car is financed or leased, the finance company will probably require that you carry this coverage.
• If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss.
• If you have an older car or one in poor condition, you may not want to pay for this coverage.

Collision Coverage:

Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.

How much protection does this coverage provide?

The amount you see typically refers to the deductible, or the portion of a claim that you’re responsible for paying.

A higher deductible can substantially lower the cost of insurance premiums. You should balance this savings against your ability to absorb a larger out-of-pocket expense.
For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,500, you’ll pay $1,000 and your insurance company will pay $500.

Who might benefit from buying Collision coverage?

• If your car is financed or leased, the finance company will probably require that you carry this coverage.
• If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss.
• If you have an older car or one in poor condition, you may not want to pay for this coverage.