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What does Full Coverage Auto Insurance include?

Updated: Feb 10

Understanding what Full Coverage actually means can be hectic, which is why we've created this article to help you understand and break down the important factors of Full Coverage or also known as Comprehensive & Collision.



Full coverage insurance in California is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $15,000 in bodily injury coverage per person, up to $30,000 per accident, and $10,000 in property damage coverage. Full coverage in California also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,780 per year in California, while a state minimum policy costs $636.


If you can’t afford to repair or replace your car after an accident, collision and comprehensive are important coverage types—even if they’re not required. Collision insurance covers repair or replacement costs if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. Lenders usually require collision and comprehensive in addition to the insurance you must have under California law when you finance a car.


Most people should also choose higher liability coverage limits than what is required by California law. If you cause an accident and your liability limits don’t cover the whole bill, you are still personally responsible for the rest. In the end, “full coverage” means having the right amount of coverage to protect your assets in a worst-case scenario.



  • Collision: If you’re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.


  • Comprehensive: In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.


  • Personal injury protection: This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident.


  • Medical payments: This feature provides a limited amount of coverage for you and your passengers’ medical expenses as a result of an accident. The coverage pays regardless of who is at fault.


  • Bodily injury and property damage liability coverage: The insurer agrees to pay damages if you injure someone or his property in an auto accident.


  • Uninsured and underinsured motorists liability coverage: If you’re in an accident with another driver who doesn’t carry any or enough liability coverage, uninsured or underinsured motorists liability coverage allows you to collect damages that you personally experience from the accident.




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