What does "full coverage" generally mean in auto insurance?

"Full coverage" in auto insurance typically refers to a policy that encompasses a broader spectrum of protections, including liability, collision, and comprehensive coverage. Liability coverage protects the insured against claims arising from injuries or damages to other people or property for which the insured is found legally responsible. Collision coverage provides financial protection for damages to the insured's vehicle resulting from a collision with another vehicle or object. Comprehensive coverage, on the other hand, protects against non-collision-related incidents such as theft, vandalism, or natural disasters.

This comprehensive framework is important for consumers, as it offers a well-rounded security net in various scenarios that could affect the insured vehicle. Insurers and consumers alike generally recognize that when someone refers to "full coverage," they are expecting a complete set of protections rather than a narrower focus, such as just liability or minimal required policies.

Understanding this comprehensive approach is key for anyone navigating the complexities of auto insurance, ensuring they choose the correct policy to meet their needs and adequately protect their assets.