While there is no such insurance coverage technically termed "full coverage" people commonly use this phrase to mean having both the state required liability insurance coverages and physical damage coverages of collision and comprehensive on a vehicle.

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.

Uninsured motorist can be for either bodily injury or property damage. Uninsured motorist bodily injury (UMBI) covers the insured, members of their household and passengers for injuries caused by an at-fault uninsured motorist. A UMBI policy normally covers the medical expenses of those injured up to the limits of the policy.

Uninsured motorist property damage (UMPD) covers your automobile when property damage is sustained by an insured and the other at-fault driver does not possess insurance. If you do not have collision coverage on your vehicle, UMPD will pay up to a certain amount for repairs to the policyholder's vehicle. If you have collision coverage than normally UMPD only pays your collision deductible (in certain states).

If you want a quote for physical damage coverage or uninsured motorist on your vehicle, click here for an affordable auto insurance quote.