What Does Full Coverage Auto Insurance Actually Include?

The Coverages That Make Up “Full Coverage”

• Liability Coverage: The foundation of most auto policies. It covers injury and property damage to others if you’re at fault in an accident. Most states require liability insurance by law.
• Collision Coverage: Helps pay for repairs or replacement of your vehicle after an accident, no matter who was at fault. Whether you hit another car, a fence, or a pole, this coverage steps in.
• Comprehensive Coverage: Protects your car from damage not caused by a collision. It includes theft, vandalism, fire, floods, falling objects, and natural disasters.
• Medical Payments Coverage (MedPay): Helps with medical expenses for you and your passengers, regardless of who caused the accident.
• Uninsured/Underinsured Motorist Coverage: If someone crashes into you and they lack sufficient insurance—or have none at all—this coverage can protect you and cover medical or repair costs.
• Roadside Assistance: An optional add-on that provides help with flat tires, battery issues, towing, and fuel delivery if your car breaks down.
• Rental Reimbursement: If your car is in the shop after a covered accident, this coverage pays for a rental car so you can still get around.