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Full Coverage Car Insurance

When people talk about "full coverage" car insurance, they're often referring to a combination of coverage types that help protect your vehicle. Some of these coverage types are required by law. Often, lenders and leasing companies will refer to full coverage car insurance as a car insurance policy that includes both liability coverage and physical damage coverage. Others refer to full coverage car insurance for having all possible coverage types included in a car insurance policy. At SafeAuto, you have plenty of coverage options when it comes to being well protected on the road while staying within your budget. While the specifics of available coverages differ from state to state, there are several types of coverages to consider when building your policy.

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What Kinds of Insurance Types Does Full Coverage Car Insurance Cover?

What is Bodily Injury and Property Damage Liability Insurance?

These coverages are required in virtually every state, are usually bundled together as a single “Liability to Others” coverage, and apply when an insured driver causes an accident that results in bodily injury to others and/or damage to property owned by others. Liability coverage pays for the damages for which an insured person could be held legally responsible, up to the limit of liability stated on the policy.

Damages for bodily injury can include medical expenses, income loss, pain and suffering, and funeral costs, among other items. Property damage covers the costs to repair or replace tangible property that is damaged in the accident, including other vehicles or fixed property, such as utility poles, fences, or the like. The policy also provides a legal defense for an insured person if a lawsuit results from the auto accident.

In most states, liability coverage cannot be used to compensate an insured person for bodily injury or property damage they sustain in accident, absent special circumstances.

What are Personal Injury Protection/First Party Benefits?

In some states – particularly those with a "no-fault" system of automobile insurance – Personal Injury Protection (PIP) coverage is offered. In other states, it might be termed First Party Benefits or similar. In general, these programs provide coverages for one or more of the following items:

  • Medical expense
  • Funeral expense
  • Loss of Income
  • Cost of replacement household services

Each coverage has specific requirements and limits of liability, and the nature of the coverages varies by state.

What Is Physical Damage Coverage?

This provides coverage for damage to covered vehicles under the policy. It typically includes two coverages: collision coverage, which applies to damage sustained when a covered vehicle collides with another vehicle or inanimate object, and comprehensive coverage, which applies to losses caused by fire, theft, weather, animals and other similar causes. Physical Damage coverages typically cover the lessor of 1) the actual cash value at the time of the loss reduced by any deductible and salvage value if applicable 2) the amount necessary to replace the property reduced by any deductible and by the salvage value if applicable 3) the amount necessary to repair the damaged property to its pre-loss condition, reduced by applicable deductible.

What Is Medical Expense Coverage?

Some form of medical expense coverage is available in most states, and can be used if you or another insured person are injured in an accident, regardless of fault. This coverage comes in many forms, but usually is either primary – applying to any medical expenses from the first dollar – or excess, applying only to amount not covered by medical insurance. Both provide reimbursement of medical expenses up to the applicable limit of liability.

What is Uninsured Motorist Property Damage Coverage?

Available in some states, this coverage applies to property damage caused to your vehicle by an uninsured motorist. In some states, you can choose whether to recover under the UMPD or Collision coverage, if you have both on your policy. However, you may not recover under both coverages for the same loss.

Uninsured/Underinsured Motorist Bodily Injury Coverage

In general, these coverages apply when an insured person or occupant of a covered vehicle is injured in an accident, and the person responsible for the accident has no insurance (UM) or inadequate limits of liability (UIM) for the damages sustained. The specific application of these coverages differs dramatically from state to states. Some states make this coverage mandatory, unless the insured expressly rejects the coverage in writing.

Rental Reimbursement

While this coverage varies by state, it generally covers the cost for a replacement vehicle while a covered vehicle is in the process of being repaired or replaced due to a covered loss, up to a maximum amount (either per day or in total).

What is Towing & Labor Coverage?

Provides reimbursement for towing costs and incidental labor at the scene of an accident or disablement, up to a stated maximum amount.

What is Roadside Assistance?

Available in some states, this benefit provides emergency roadsides services for specified events, such as flat tire, lockout, dead battery, running out of gas, etc. There is a limit to the number of events that are covered during the policy period.

What is an Accidental Death Benefit?

Provides a fixed indemnity payment to an insured person’s estate if they are killed in an automobile accident involving a covered vehicle.

Conditions, Limitations & Exclusions

All coverages are subject to various conditions, limitations and exclusions, all of which are described fully in the policy. So, it’s really important that you read your policy to learn when and how it applies, and what you can do to maximize the benefit you receive. We’re here 24/7 to help you craft the policy right for your needs and budget.

"They accepted me without checking my credit report or asking too many questions. Lowest price and even beat competitors all across the board. I should have had SafeAuto as my insurance company years ago."
Wendy, San Tan Valley, AZ