What Is Full Coverage Auto Insurance?

Driving without auto insurance can be financially risky. A single accident can result in medical bills, vehicle repair costs and legal expenses that may overwhelm your household’s budget in ways that take years to recover from. Understanding what “full coverage” means, and what it does not mean, is the first step toward protecting your finances on the road.

Breaking Down the “Full Coverage” Myth

“Full coverage” is not an official insurance term. It is shorthand term that describes a policy that combines liability, collision and comprehensive coverage. Liability coverage can pay for damage and injuries you cause to others. Collision coverage can cover your vehicle after an accident, regardless of fault. Comprehensive coverage can handle damage from non-collision events like theft, fire, vandalism and weather damage.

What Is Not Included?

Exclusions on a typical full coverage policy can include:

• Gap coverage for loans or leases
• Reimbursement for rental vehicles
• Custom parts and equipment
• Rideshare driving activity
• Damage caused by mechanical breakdown or wear and tear

Why Additional Coverage Matters in California

Beyond that basic trio, drivers can benefit from adding coverages like uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance coverage. While insurers are required to offer UM/UIM with every policy, it is not mandatory, and drivers who decline must do so in writing.

We can help you explore add-ons to better round out your policy and offer better financial protection on the road.

Get the Right Coverage

We are here to help you navigate your options and build a policy that fits your life. Contact EWD Insurance Services, Inc. today to request a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.