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who does full coverage insurance cover ?

### What Does Full Coverage Insurance Cover?

When it comes to securing your car, the term “full coverage” is often thrown around, but what does it actually mean? Full coverage insurance is not a single, unequivocal package offered by every insurer; rather, it’s a combination of different types of coverage designed to provide broad protection for your vehicle and the policyholder. There are several key types of coverage that usually fall under this umbrella, each providing protection against specific risks.

#### 1. **Liability Coverage**

At the heart of any auto insurance policy, liability coverage is essential and mandated by law in most states. It’s divided into two components:
– **Bodily Injury Liability:** This covers the costs related to medical expenses and losses sustained by others (such as medical bills, loss of wages, and pain and suffering) in case you’re at fault.
– **Property Damage Liability:** Covers expenses related to repairs or replacement of property (like another’s vehicle) that you damage due to an accident.

#### 2. **Collision Coverage**

This type of coverage pays for damage to your car as a result of a collision, whether you’re at fault or not. It can cover everything from minor scratches and dings to total vehicle loss, and is typically a separate payment from your vehicle’s value.

#### 3. **Comprehensive Coverage**

Comprehensive, sometimes called “comp coverage,” compensates you for losses that aren’t due to collision, like damage caused by theft, acts of nature (storms, hail), vandalism, and animal impacts. This can offer peace of mind for unexpected incidents.

#### 4. **Uninsured/Underinsured Motorist Coverage**

One of the realizations in insurance is that not everyone obeys the law, and there are drivers without insurance or with insufficient coverage. This coverage protects you if you get into an accident with an uninsured or underinsured driver, covering your losses.

#### 5. **Personal Injury Protection (PIP) or Medical Payments Coverage**

PIP is compulsory in some states and provides coverage for medical bills, lost wages, and funeral costs for you, family members, or guests in your car. In states where it’s optional, it’s sometimes referred to as Medical Payments Coverage, providing similar benefits.

#### 6. **Rental Car Reimbursement**

In the event your car is being repaired after an accident, this add-on allows you to rent a car at no extra cost during the period of repair. It’s an often-overlooked but valuable option in what is known as “full coverage.”

#### 7. **Towing and Roadside Assistance**

Common roadside incidents like running out of gas, battery issues, or a flat tire can leave you stranded. This coverage reimburses towing charges and emergency services.

#### 8. **Gap Insurance**

When you lease or finance a car, Gap Coverage ensures your insurance company will cover the difference between the actual cash value of your vehicle and the amount you owe on it if it’s considered a total loss due to a covered event.

### Who Is Covered Under a Full Coverage Insurance Policy?

While “full coverage” primarily benefits the policyholder, it can also extend to any authorized drivers listed on the policy. This means if someone not listed on your policy but authorized by you (like a spouse or a parent) is driving your vehicle, they too are covered.

### Conclusion

Full coverage auto insurance is a combination of different policies working together to provide comprehensive protection to you and your car. However, without a detailed understanding of your policy, you might find yourself underprepared. It’s crucial to review the specifics of your policy with an insurance agent to ensure that you’re fully covered where you need to be. Each state’s laws and regulations can influence the exact type and extent of coverage, so it’s essential to be aware of these to make an informed decision. Always ensure you carry the right level of protection that suits both your budget and your needs.