What Does “Full Coverage” Auto Insurance Actually Mean for your New York Auto Insurance?

Many drivers ask for “full coverage” when purchasing auto insurance.

The problem is that full coverage isn’t a real insurance term.

Instead, it’s a combination of several different coverages.

Liability Coverage

Pays for injuries or property damage you cause to others.

Collision Coverage

Pays to repair or replace your vehicle after an accident.

Comprehensive Coverage

Pays for damage caused by events such as theft, vandalism, fire, or falling objects.

Uninsured Motorist Coverage

Protects you if the at-fault driver doesn’t carry insurance.

Why Understanding Coverage Matters

Two drivers can both have “full coverage” but have very different levels of protection depending on their liability limits and deductibles.

Reviewing these details helps ensure the policy actually protects your finances.