WHAT IS “FULL COVERAGE” REALLY?
Every day we hear people ask for “full coverage.” We are very very careful with this phrase because it can be misleading and lead to surprises. If you review your insurance documents, you will not see the words “full coverage”...it just does not exist for insurance companies. Often people use it when referring to the car being insured for collision, theft, vandalism, fire, etc, what the insurance companies refer to as Comprehensive/Collision. But when people talk about “full coverage,” they may also think they have more coverage than they really do. You can actually buy every coverage that your insurance company offers and you will not be “fully” covered. The best way to understand how you are covered is by reviewing each individual coverage that you do and do not have. That way you know how your policy would apply in different claim situations and avoid surprises.