Car Insurance

Full Coverage Auto Insurance: What Is Considered Covered?

Full Coverage Auto Insurance: What Is Considered Covered?

If you’re wondering what insurance coverage is considered full coverage auto insurance, the answer might surprise you. You could be surprised to learn that the minimum requirements set by your state might not necessarily be enough to cover all of your bases in case something happens while you’re behind the wheel of your car. This can be scary, especially if you’re an inexperienced driver or if you have bad luck and tend to get into trouble more often than other people do.

Bodily Injury Liability


The bodily injury liability part of your auto insurance will protect you from paying the costs if you injure someone in an accident. It’s important to know that this coverage is optional, but it can be very valuable if you’re in a situation where someone else is injured and they want to sue for damages. You’ll want to make sure that your policy includes enough for both state minimums as well as any additional requirements you may have based on the type of vehicle that you drive.

Property Damage Liability


Auto insurance policies have various forms of coverage, and one of the most popular options is property damage liability. It protects you financially if you are found to be at fault for an accident that causes damages to someone else’s property. This form of coverage also helps cover your legal expenses in a lawsuit if you are sued over the accident.

Medical Payments or Personal Injury Protection


Medical payments and Personal Injury Protection are two types of coverage that are often offered in a full-coverage auto insurance policy. Medical Payments cover the medical expenses of you, your passengers, and others injured in an accident. Personal Injury Protection covers the medical expenses of you, your passengers, and others injured in an accident as well as lost wages if you’re unable to work because of the accident.

Uninsured/Underinsured Motorist Coverage


Uninsured Motorist coverage helps you if someone hits your car and doesn’t have insurance or enough insurance to cover the costs. The other type of protection is Underinsured Motorist coverage which helps you if the person who hit your car has some, but not enough, liability insurance to cover the cost of repairing your vehicle.

Collision Coverage


Most auto insurance plans include collision coverage, which is designed to cover the costs of repairing or replacing your vehicle in the event of a crash. Collision coverage is different from comprehensive and liability insurance, in that it pays out only for damage caused by a collision, not for any other unforeseen reasons. It also pays for damages to other vehicles and property, and does not require that you be at fault for the accident.

Comprehensive Coverage


A comprehensive coverage plan is the most expensive and most inclusive of the three types. It will cover you for any type of accident, from bodily injury to theft. The downside is that it’s also the most expensive. This is an important distinction because you may find yourself paying for a comprehensive coverage plan but unable to use it when you need it due to cost.

Gap Insurance


The best way to find out if gap insurance is right for you is to speak with your agent and do some research online. Keep in mind that the majority of car insurance companies will not offer this type of coverage because it’s often used by people who are financing or leasing their vehicle instead of buying it outright.


There are a few exceptions, like GEICO, but there’s no harm in checking. Some other benefits of having this coverage include things like emergency roadside assistance, rental car reimbursement, and lost wages reimbursement should the insured person be unable to work due to their car being totaled in an accident.

Rental Reimbursement Coverage


One of the many benefits of full coverage auto insurance is that it often includes rental reimbursement coverage. If your car is damaged and you need to rent a car while it’s being repaired, you’ll have peace of mind knowing that your insurance will cover a portion or all of the costs. These are just some of the reasons why many drivers choose to purchase full coverage auto insurance for their vehicle.

Roadside Assistance Coverage


If you have roadside assistance coverage, it will usually cover a tow to the nearest repair shop. It may also cover an emergency rental car while your vehicle is being repaired. There are limitations on these types of benefits so be sure to read through the fine print before making any decisions about what type of coverage best fits your needs.

Custom Parts and Equipment Coverage


The Custom Parts and Equipment Coverage is a part of your auto insurance that will help to pay for the costs of any custom parts or equipment that you may have installed in your vehicle. This coverage is not included in your standard automobile policy, so you will need to add it separately if this type of coverage is something that you are interested in having.

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