What Can Full Coverage Include?
What Can Full Coverage Include?
Do you know exactly what your insurance policy covers? How about what your insurance policy doesn’t cover? Do not be misinformed–not everything is covered by your insurance policy. It’s easy to assume that when you file a claim, your insurance company will pay for it all and no money will come out of pocket. Unfortunately, this is not the case. Some losses are excluded altogether, while others are only excluded because the coverages were declined when the policy was purchased. Most of the time, we do this to decrease the premium price without realizing what coverages we are losing.
What would the ideal auto insurance policy look like? It’s called “full coverage”–do you have it? If not, it may be beneficial for you to consider getting a full coverage policy at your next renewal. If you are not required to have full coverage, you may not have considered the benefits of getting a full coverage policy. Full coverage is the more expensive kind of auto insurance policy, and for a good reason. It provides an ideal policy fit for your needs, leaving you with a sense of peace.
So, what exactly does a full coverage auto insurance policy typically cover? Remember, coverages vary depending on the state you live in and the insurance company you use. Also, a full coverage policy can be designed to provide the right coverage for you depending on your asset values, income, and the risks you face.
A full coverage policy can include these coverages and more:
- The maximum liability limits available through your insurance company
- Uninsured/Underinsured Motorist Coverage (provides coverage for you through your own insurance company that the other driver does not have.) Coverages should be the same as your liability limit.
- MedPay (or medical payments) (regardless of who is at fault, MedPay provides medical coverage for you and the passengers involved in the accident)
- Gap insurance. If you have a loan on a newer car, the lender will typically require you to have gap coverage. If your car is totaled and you owe more than the car is worth, gap coverage can help you pay off your loan.
- Comprehensive/collision coverage
- Towing
- Rental car coverage
- Roadside assistance
Just think of all the coverages you could have with a more extensive coverage policy.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Read More Blogs
Heart-Shaped Security: Why Valentine’s Day is the Time to Schedule Your New Jewelry
Don’t leave your new sparkle at risk. Learn how to properly insure Valentine’s Day jewelry through scheduling and professional appraisals.
The Beautiful Pause: Embracing Solitude and Self-Care
Ditch the noise. A guide to finding mental clarity and practicing self-care by embracing intentional solitude during the final, quiet days of January.
Final Tax Data Security: Protecting Against Employee W-2 Identity Theft
W-2s are out. A final, urgent guide to securing employee data against tax fraud and using Cyber Insurance for breach response and identity theft coverage.
T-Minus 30 Days: The Late January Review of Beneficiaries and Tax Implications
Tax forms are here. Review your life insurance beneficiaries one last time, and understand the tax status of policy payouts vs. accrued interest.
Extreme Cold Alert: Protecting Your Vehicle from Late January Freeze Damage
Frozen engine block? Late January extreme cold risks and how your Comprehensive Auto Insurance handles non-collision, cold-related vehicle damage.
The Final Frost: Securing Your Home from Ice and Tree Damage
Extreme cold risk is highest now. A guide to Home Insurance for tree fall damage, ice structure risks, and securing your claim against catastrophic late-January weather.
Slow Cooker Immunity: Nourishing Your Body with Winter Comfort Foods
Fight the mid-winter slump! Easy slow-cooker recipes packed with immune-boosting spices and ingredients to keep your family healthy in late January.
Accountability in the New Year: Auditing Employee Risk for Workers’ Comp and Liability
Get back to basics! Mid-January is the time for mandatory safety refreshers and HR audits to manage Workers’ Comp and General Liability risk in 2026.
The Mid-January Check-Up: Why Scheduling Your Life Insurance Exam Now Locks in the Best Rate
Don’t delay the exam! Schedule your Life Insurance paramedical exam in mid-January to lock in your best rate and complete your application process quickly.
Used Car, New Coverage: Insuring Your Post-Holiday Vehicle Purchase in January
Just bought a used car? Don’t forget to update the VIN, transfer your coverage, and check if you need higher Medical Payments limits.