What Does Full Coverage Auto Insurance Really Mean?
If you’ve ever told your agent you want “full coverage,” you’re not alone—but here’s the truth: there’s no single policy by that name. What does full coverage auto insurance really mean? It’s actually a combination of different coverages that work together to protect you, your car, and your finances.
At its foundation is liability coverage, which pays for injuries or property damage if you’re responsible for an accident. Every state has required minimum limits, but those minimums often fall short if the crash is serious. That’s why many drivers choose higher limits to better protect themselves.
Next comes collision coverage. This pays for repairs to your vehicle after an accident, regardless of who’s at fault. If your car is leased, financed, or fairly new, your lender will almost always require it.
Then there’s comprehensive coverage, which handles the unexpected—like theft, fire, hail, vandalism, or even hitting a deer. It’s the part of your policy that steps in when something happens outside of a traditional collision.
So when people talk about “full coverage,” what they really mean is a combination of liability, collision, and comprehensive coverage. But it’s not an all-inclusive package. Extras like roadside assistance, rental car reimbursement, or medical payments coverage aren’t automatically included—you’ll need to add those separately if you want them.
Ultimately, what does full coverage auto insurance really mean? It means finding the right balance for your unique situation. A good agent will help you customize your policy so you’re protected from the unexpected—without paying for things you don’t need.
Serving drivers across Maryland, Virginia, Washington, D.C., and the Mid-Atlantic, William Gunn Insurance helps you compare options, uncover discounts, and drive with confidence.