"Full coverage" is a phrase you will hear often, but it is important to know that it is not an official type of insurance policy. No single policy covers absolutely everything. "Full coverage" is just a common, informal way of describing a policy that combines several coverages.
What people usually mean by "full coverage": a policy that includes all three of these:
- Liability coverage — for injuries and damage you cause to others. See liability car insurance.
- Collision coverage — for damage to your own car from a collision.
- Comprehensive coverage — for damage to your car from non-collision events like theft, weather, or hitting an animal.
See comprehensive vs. collision coverage for the difference between those two.
What "full coverage" does NOT automatically mean:
- It does not mean every possible coverage is included — options like uninsured motorist, roadside assistance, or rental reimbursement may be separate.
- It does not mean there are no limits or deductibles — both still apply.
The takeaway: rather than asking for "full coverage," it is better to look at the specific coverages and limits on a policy. Get an auto insurance quote from RMO to build coverage that fits your needs.