If you want full coverage auto insurance, you are looking for more than just liability. You want the whole shebang!
There really isn't any type of coverage actually called "full coverage" or "full cover."
That's just a term we often use when we mean we want all the various types of insurance available so that we won't end up paying anything out of pocket regardless of the circumstances or cause of an accident or loss.
Over the years when people were referring to having bodily injury liability, property damage liability, collision coverage, as well as comprehensive auto insurance, they would just say, "I want full cover."
Full coverage car insurance generally means that you and your car, as well as the other guy and his car, are all included in your policy.
Are you wondering if full coverage car insurance is right for you or if you really need to go to the extra expense involved?
You are not required by law to carry full coverage if you don't want to. It
may not even be in your best interests to do so if you have a car that is, shall
we say, a clunker.
This is the voice of experience speaking! :)
If you have a flashy car in good shape, you probably ought to consider
it, even if you feel you are a safe driver. Believe me, that doesn't
mean everyone else is! It's the other guy you have to worry about.
Also, depending on where you live or work, you may want to be sure you're covered for theft and vandalism.
A couple of years ago, someone broke into our car, found my husband's spare keys, started it up, backed it up, and smashed it into the back of our church van!
Needless to say, we woke up to an unpleasant sight. Unfortunately, we did not have "full coverage," only liability. So we had to suffer the loss ourselves. They were both older vehicles, but it was still a blow.
We never discovered who the culprit was that did the damage, but I always figured the Lord took care of it... :-)
Anyway, the only time you may be required to carry full coverage auto insurance is when your car is not quite really yours yet, if you know what I mean.
If you have taken out a loan to purchase your car, the loan shark, oops, I mean lender, may require you to have full cover until the loan is paid off.
Other than that, you are only legally required to have a certain amount of liability depending upon which state you reside in.
However, it really does make good sense to get comprehensive and collision coverage if you have an expense vehicle that you can't afford to replace if you happen to get in an accident or have a tree fall on it.
Why not get some free quotes online and see how much it would cost for you to have the whole shebang? It may not be as costly as you think.