A full coverage car insurance policy typically includes liability, uninsured/underinsured motorist, collision and comprehensive coverages. While many insurers may offer full car insurance coverage options, there’s really no such thing as a full car insurance policy. Instead, full coverage typically combines a few different types of policies, such as:
- Liability coverage, for injuries or damage to other people and their vehicles. This is the coverage that’s usually required by states.
- Collision coverage, for damage to your own car or to property caused by a crash.
- Comprehensive coverage, for theft as well as damage caused by vandalism, fire, falling rocks and other non-collision events.
Minimum car insurance coverage is whatever is required under your state’s law. Those requirements can vary a lot, although most states require at least a certain amount of liability coverage. Many drivers opt for more coverage, or, if they’re financing or leasing their car, their lender may require more to protect their asset.
Not all insurance companies offer the same bundle of coverage options. The most common combination of coverages is liability plus collision and comprehensive coverage. Other potential add-ons include:
- Uninsured or underinsured motorist coverage, which helps cover costs if you are involved in a crash with a driver who does not have liability insurance (or does not have enough liability insurance to cover your injuries). Some states require this coverage.
- Medical payments or personal injury protection coverage, which helps pay bills, lost wages and legal fees related to injuries to you and your passengers if you are involved in a crash.
When shopping for car insurance coverage, it’s important to know what is covered by the policy and what’s not. Even full coverage has some exclusions. For example, some policies may not cover tire damage or losses related to belongings stolen from your car, or may exclude coverage for your vehicle when it is used in a ride-sharing program.
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