There is really no such thing as "full coverage" with auto insurance since a policy cannot possibly cover every risk that may come up. While there is no actual coverage that is called "full coverage" many people use this term to refer to having Liability coverages plus Physical Damage coverages of Collision and Comprehensive that will help protect your own vehicle.

The advantage of having "Full Coverage" and not just Liability coverage is that with Full Coverage your car has insurance protection with which you can make claims with your own insurance provider while Liability coverages are there for those that you damage and need to make claims against.

Liability coverage helps protect you from covered damage your car does to others, damage for which you are legally liable and without Liability insurance would have to pay out of pocket for damages you cause. In some cases these damages could grow into hundreds of thousands of dollars. State Liability laws differ but the most require coverages of Bodily Injury Liability (BI) and Property Damage Liability (PD).

Now if you add Collision and Comprehensive coverages to your car insurance policy you will be able to protect your vehicle and that is quite an advantage if you wreck your vehicle and want to get it repaired or have your insurer pay you actual cash value for the vehicle if you totaled it out.

Collision coverage covers damage to your vehicle when your vehicle hits, or is hit by, another vehicle, or other object. This type of physical damage coverage pays to fix your vehicle, less the deductible you choose at the onset of your policy.

Comprehensive coverage covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision. The incidents listed on a comprehensive policy typically include your vehicle being stolen, damaged by flood, fire or animals. This type of coverage also comes with a deductible.

While these are the coverages most think of when a person refers to Full Coverage, the term itself is very subjective and can have different meanings to different individuals, companies or additional interests in an insurance contract. "Full coverage" does not mean however that you have insurance coverage for every possible injury, liability exposure or part on your vehicle.

Many people that buy full coverage and then need to make a claim are upset because they are not really fully covered. It would be hard to buy a policy where you are fully covered against ever exposure but you can protect yourself from the most common exposures.

Using our quote form, you can select a coverage package that will include these coverages. In addition, we add any state required coverage (PIP, UMPD, UM, etc.). Most of our packages also include Uninsured Motorist coverage to give you added protection.

If you only purchase Liability coverage than you will not be able to file any claims with your insurer if you are in a collision that is your fault or even if a person hits your car in a parking lot and takes off. You also will not have coverage if your car is stolen, catches on fire, is vandalized or you hit a wild animal (such as a deer). For your vehicle to be covered by your auto insurance policy for these types of incidents you will need to purchase "full coverage" meaning Physical Damage coverages of Collision and Comprehensive. These coverages on your vehicle are the real advantage to having full coverage and know that your vehicle is covered for various incidents whether you are at fault or not.

You can get a quote for car insurance, Liability only or Full Coverage, here with us.