What Does Full Coverage Car Insurance Cover? Complete Guide


When you buy car insurance, you are buying what is called a “policy.” All insurance policies, whether it’s homeowner insurance, life insurance, health insurance, car insurance, or anything else, all work on the same basic principle. You pay a little bit each month, whether you end up using it or not. This is known as your monthly premium. The premium is based on a variety of factors, including how much coverage you have.

You may be saying “I want it all! I want all of the coverage!” This can mean different things to different people, so today we’re going to go more in depth about full coverage car insurance. What does full coverage car insurance cover? This is where we will begin!

Table of Contents

  • What Does Full Coverage Car Insurance Cover?
  • First-Party Benefits
  • Liability Coverage

What Does Full Coverage Car Insurance Cover?

The cost of car insurance depends on a wide range of factors. Perhaps the most important factor is the amount of coverage you select. Full coverage car insurance is a car insurance policy with all of the main parts of auto insurance bundled together, including: 

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist
  • PIP
  • Collision
  • Comprehensive

Having the whole package is the best way to get greater financial protection than what your state’s minimum insurance requirements would provide. Even though it has six different components, it can be broken up into two main parts: protecting yourself financially and providing for others. Let’s go into a bit more detail for each part of the coverage.

First-Party Benefits

This isn’t required, but the biggest advantage and the reason it’s included in full coverage is that you can use it for your own damages and medical expenses. An accident doesn’t have to ruin your finances! Whether you cause the accident or not, your car insurance kicks in and helps you pay for everything. You do not need to wait for another driver’s insurance company to pay out, meaning your car can get repaired and your medical bills will be covered quickly.

Liability Coverage

This is the only part of car insurance that your state requires you to carry. Liability insurance covers damages you are at fault for and cause to someone else and/or their vehicle. Within liability, the two main types of insurance are bodily injury (BI) and property damage (PD) liability insurance. Bodily injury handles injuries you cause to the driver or passengers. Property damage is any damage you cause to another vehicle or structure- like a fence or mailbox.

There’s no more guesswork involved in getting a car insurance policy! Now that you know what full coverage car insurance covers, it is time to reach out to Pronto Insurance. We’ll help you understand not only how much auto insurance coverage you need, but also what it will cost. We will even give you a free quote. It’s just one way we make the entire process of getting auto insurance so much easier!

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