What is full coverage car insurance?

Full coverage typically means liability + collision + comprehensive. It's not an official term, but most people use it to mean maximum protection for your vehicle.

What coverage do I need?

At minimum, you need your state's required liability coverage. If you have a loan or lease, you'll likely need collision and comprehensive too. Beyond that, it depends on your assets and risk tolerance.

Guide

Types of Car Insurance Coverage: A Complete Guide

Not sure what coverage you need? Here's a breakdown of every type of auto insurance. Call 888-499-1311 for personalized advice.

1. Liability Coverage

Required in almost every state. Covers damage and injuries you cause to others in an accident. Includes bodily injury (BI) and property damage (PD).

2. Collision Coverage

Pays to repair or replace your car after an accident, regardless of fault. Usually required if you have a car loan or lease.

3. Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, animal strikes, and falling objects. Often bundled with collision as "full coverage."

4. Uninsured/Underinsured Motorist

Protects you if the at-fault driver has no insurance or not enough to cover your damages.

5. Personal Injury Protection (PIP)

Covers medical expenses for you and passengers regardless of fault. Required in no-fault states.

6. Medical Payments (MedPay)

Similar to PIP but more limited. Covers medical bills for you and passengers after an accident.

7. Gap Insurance

Covers the difference between your car's value and what you owe on your loan if the car is totaled.

8. Roadside Assistance

Covers towing, flat tires, lockouts, and jump starts. Usually an affordable add-on.

9. Rental Reimbursement

Pays for a rental car while yours is being repaired after a covered claim.

Quick links

Need help choosing coverage? Call 888-499-1311 for a free consultation.