{"id":60168,"date":"2025-06-04T15:48:40","date_gmt":"2025-06-04T22:48:40","guid":{"rendered":"https:\/\/jerry.ai\/?post_type=car-insurance&p=60168"},"modified":"2025-06-04T18:22:00","modified_gmt":"2025-06-05T01:22:00","slug":"what-does-full-coverage-car-insurance-cover","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/what-does-full-coverage-car-insurance-cover\/","title":{"rendered":"What does full coverage car insurance cover?"},"content":{"rendered":"\n
Jerry summary<\/span><\/span><\/div>
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Full coverage car insurance comprises liability, collision and comprehensive insurances and may include MedPay or PIP, and uninsured\/underinsured motorist coverage. A full coverage policy covers most major expenses that drivers and car owners can encounter. Drivers get more financial protection from full coverage auto insurance<\/a> than a minimum coverage policy, but full coverage is also more expensive.<\/p>\n<\/div><\/blockquote>\n\n\n\n

\u201cFull coverage car insurance\u201d is a term for an auto policy that provides several types of coverage, including liability, comprehensive and collision. Full coverage isn\u2019t a type of car insurance<\/a>, though, it\u2019s an informal way to describe a policy that protects you, your passengers and your vehicle in many different scenarios.<\/p>\n\n\n\n

What is full coverage car insurance?<\/h2>\n\n\n\n

Full coverage car insurance includes your state\u2019s required minimum coverage as well as comprehensive and collision insurance. This type of policy provides broad protection because liability insurance pays for damage and injury that you cause to others, while comprehensive and collision coverages pay for damage that happens to you, your passengers or your vehicle.<\/p>\n\n\n\n

A full coverage premium is likely to be more expensive than a minimum coverage premium because it provides the most financial protection. Full coverage policyholders also usually have to pay a deductible<\/a> before the collision or comprehensive components of the policy pay out.<\/p>\n\n\n\n

If you have a leased or financed car, the lender will require you to carry full coverage, but it\u2019s still wise to compare quotes from multiple insurers.<\/p>\n\n\n\n

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6 types of coverage included in full coverage car insurance<\/h2>\n\n\n\n

Because full coverage is not a technical term, insurers may mean different things when they discuss this type of policy. Typically, it includes liability, comprehensive and collision insurance. MedPay or PIP and uninsured\/underinsured motorist protections are also often included.<\/p>\n\n\n\n

More:<\/strong> The main types of car insurance<\/a><\/p>\n\n\n\n

Typical full coverage policy overview<\/h3>\n\n\n\n

Each insurance type provides coverage in different scenarios.<\/p>\n\n\n\n

Insurance type<\/strong><\/td>Part of full coverage?<\/strong><\/td><\/tr>
Liability<\/td>Yes.<\/td><\/tr>
Collision<\/td>Yes.<\/td><\/tr>
Comprehensive<\/td>Yes.<\/td><\/tr>
Medical payments (MedPay)<\/td>Usually; may be required by state.<\/td><\/tr>
Personal injury protection (PIP)<\/td>Usually; may be required by state.<\/td><\/tr>
Uninsured\/underinsured motorist (UM\/UIM)<\/td>Usually; may be required by state.<\/td><\/tr>
Gap<\/td>No.<\/td><\/tr>
Roadside assistance<\/td>No.<\/td><\/tr>
Rental reimbursement<\/td>No.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Liability<\/h3>\n\n\n\n

What it covers:<\/strong> Liability car insurance<\/a> helps pay for damage or injuries you cause to others in an accident, up to your policy\u2019s limits. It\u2019s required in most states and is the foundation of any auto insurance policy. There are two parts to liability insurance: bodily injury<\/a> liability (BI) and property damage<\/a> liability (PD).<\/p>\n\n\n\n