What does full coverage insurance generally include?

Full coverage insurance typically refers to a combination of comprehensive and collision coverage. Comprehensive coverage protects the insured vehicle from damages that are not the result of a collision, such as theft, vandalism, natural disasters, and falling objects. Collision coverage, on the other hand, pays for damages to the vehicle resulting from a collision with another vehicle or object, regardless of fault.

This combination is what gives the insured peace of mind, as it covers a wide range of potential incidents that could result in significant financial loss. While liability coverage is crucial as it covers third-party injuries and property damage if the insured is at fault, it is only a part of the coverage spectrum and does not encompass the full protection offered by comprehensive and collision. Other options, such as theft protection and emergency roadside assistance, may be beneficial but are not included in the definition of full coverage insurance.