What Is Full Coverage – With Taylor Gilbert
Post updated on June 2nd, 2025
When it comes to auto insurance, one of the most common questions we hear is: “Do I have full coverage?” It’s a fair question—especially because the term “full coverage” gets used often but isn’t always clearly defined. Many drivers assume it means their car is covered for anything that could possibly happen. Unfortunately, that’s not always the case.
In reality, full coverage simply refers to a combination of two specific coverages: collision and comprehensive. These protect your vehicle in different scenarios, like accidents, weather damage, or vandalism. However, there are additional coverages—like roadside assistance, rental reimbursement, and full glass—that many people believe are included but actually need to be added separately.
Insurance terms can be confusing, and assumptions can be costly. Understanding what is (and isn’t) included in your policy can make a big difference if you ever need to file a claim. Whether you’re buying a new car, updating your coverage, or just want peace of mind, it’s always a good idea to sit down with your insurance advisor and make sure your coverage meets your needs.
Still wondering what “full coverage” really includes? Taylor Gilbert breaks it down in this quick explainer video.
Video Transcript:
What is full coverage? Full coverage consists of two separate components.
The first of those would be collision, and that refers to when a driver is behind the wheel and either makes contact with another vehicle or an object.
The second component of full coverage is comprehensive, also referred to as other than collision. Comprehensive coverage would cover examples of hail damage or vandalism.
There are a few coverages that people generally associate with full coverage but in reality, these are ala carte or additional coverages that usually are included but not always included in full coverage. Three of those coverages would be full glass coverage, which can be endorsed on your policy, rental car reimbursement, and also roadside or towing assistance.
Disclaimer: The above are merely suggestions and tips, and are not meant to guarantee individual results.
