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What Does Full Coverage Mean in Auto Insurance

full coverage auto insurance california

While some auto insurance is required by law, there are many variations as to what type of coverage you may have beyond the state minimum. In California, auto insurance can offer a variety of different insurance coverage options depending on what type of coverage you need, your budget, and your car or cars needing to be covered. Full coverage for auto insurance often gets confused with having all possible add-ons and coverage. This is not what full coverage means in car insurance plans. Here are a few simple facts about full coverage plans.

What Does Full Coverage Cover?
This type of auto insurance can have both liability coverage and coverage for damage to your vehicle. People often confuse this to mean it covers everything and every situation – this is not usually the case. If you are needing much more insurance and add-ons, you should discuss how much coverage you need with an insurance provider in California. If you need things like rental car reimbursement, roadside assistance, and other popular car insurance coverage plans, these are likely not included in your full coverage insurance plan.

What Does Full Coverage Not Cover?
Typically, things like roadside assistance, rental car reimbursement, uninsured motorist, personal injury protection, medical payments, and comprehensive coverage are not usually covered in the full coverage plans. Full coverage is typically for collision damage to your car, and liability for the other person, property and car.

If you are unsure if you have a full coverage car insurance plan, or what exactly your plan has covered, our experts can help. Even if you have had your car insurance plan for a while, situations may change, and your coverage needs may change as well. We have auto insurance experts that can help you understand your policy or find a new policy if needed. Contact our office in Los Angeles, CA or Long Beach, CA today at 877-945-7233.