What is "full coverage" in the context of auto insurance?

In the context of auto insurance, "full coverage" typically refers to a combination of liability coverage and physical damage coverage, which includes both collision and comprehensive coverage. This term is often used by consumers to indicate that they want a policy that protects them against a wide array of potential risks.

Liability coverage protects you in case you are at fault in an accident that causes damage to another person's property or injuries to others. Physical damage coverage, which encompasses both collision and comprehensive protections, provides coverage for your own vehicle in the event of accidents (collision) or non-collision incidents, such as theft, vandalism, or natural disasters (comprehensive).

This comprehensive setup ensures that the driver's financial responsibility is minimized in various scenarios, making it essential for those who want to be fully protected on the road. Thus, the answer accurately reflects the broader scope of coverage that is often desired when individuals refer to "full coverage" in their auto insurance discussions.