Having "full coverage" is a bit of a misnomer. It really refers to having both comprehensive
coverage. In this instance, the collision coverage would pay for the damage to your car. However, since it sounds like the car was a total loss, then your car insurance company will pay for what the car is worth. We highly recommend reporting the accident to your insurance company, even though it may negatively impact your rates in the future. We have some more information
on what to expect when filing a claim and the next steps to take, if you're curious. Good luck!