What does full coverage car insurance cover?

Full coverage typically refers to a combination of liability, collision, and comprehensive insurance. It covers damage to your vehicle, damages you cause to others, and non-collision incidents like theft, vandalism, or natural disasters.

Full coverage car insurance refers to a combination of different insurance coverages that protect your car and others. It typically includes: Liability Insurance (for bodily injury and property damage), Comprehensive Coverage (for non-collision-related incidents like theft or natural disasters), Collision Coverage (for damage to your car from an accident, regardless of fault), Uninsured/Underinsured Motorist Coverage (for accidents where the at-fault driver doesn't have sufficient insurance).

If you're involved in a collision with an uninsured driver, your full coverage insurance, specifically the uninsured motorist component, would cover your medical bills and car repairs.

While full coverage insurance offers more extensive protection, it can be more expensive. Evaluate your vehicle’s value and your personal financial situation before opting for full coverage—if your car is old and low-value, the cost of full coverage might not be justified.