Question

What is full coverage car insurance?

I have full coverage car insurance and so does my brother with a different company. He was helping me shop for a new policy and we compared the coverage that we both have on our own policies and it was different. How can my full coverage be different than his full coverage?

Feb 25, 2016 Silverton, CO

Answer
Neil Richardson

Feb 25, 2016

Full coverage is a broad term most people use to describe an auto insurance policy that includes comprehensive and collision coverage. Full coverage means different things to different people because it's not an actual insurance term and, therefore, does not specify individual coverage like roadside assistance or rental car reimbursement. It's best not to use the term when shopping for a new policy but if you do, make sure you understand that: Full coverage= Comprehensive+Collision. Anything past that is going to be up to you to request as an add-on to your policy.

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