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Full coverage auto insurance

Full coverage auto insurance usually refers to comprehensive and collision auto insurance coverage. An insurer will rarely use the term full coverage because it implies a higher standard of insurance than what comprehensive and collision usually covers.


Comprehensive coverage covers an insured vehicle that is involved in an accident that is not a collision. Examples include fire, theft, weather (hail, falling branches), vandalism, etc. A claim is traditionally subject to a deductable.


Collision coverage includes any damage incurred that was the result of a collision. Collision coverage is usually voluntary. However, if you finance a vehicle your lender will usually require that you carry collision insurance as a condition of the loan. Lenders do this to protect their interests in the collateral that is securing the loan (in this case, the vehicle). Claims are traditionally subject to a deductible.

Full coverage


A deductable is the part of any insurance claim that is not covered by the insurance rider. It is the amount of a claim that must be paid first by the insured, before any amount is paid by the insurance carrier.

The higher your deductable (the amount you’re willing to pay out of pocket if a claim is filed) the lower your insurance premiums will be.


Uninsured and underinsured coverages are not usually a part of full coverage (comprehensive and collision) policies. They are added on as extra coverages.

These coverages provide coverage if an at-fault party either has no insurance or has insufficient insurance to coverage the damage incurred via an accident.

Legal definitions of uninsured/underinsured vary by state, so be sure to check with your local jurisdiction as to what these coverages encompass.

Rental Reimbursement

This coverage, sometimes referred to as loss of use coverage, covers the costs incurred when you are required to rent a vehicle because your vehicle is being repaired after an accident. Again, this coverage is usually not a part of traditional comprehensive and collision insurance. It’s an add-on. It will cause your insurance premium to go up, but you’ll be glad you have it if you ever have to have major repairs done to your vehicle that could take days or weeks to complete.

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