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Keep in mind that there is really no such thing as "full coverage car insurance"! No insurance companies give a "full" coverage for all damages, to your car, your injuries and to that of other parties involved in your accident. There is always limitations in your policy. It will also not a smart thing to do to get coverage of everything. Cause your premium will be sky high.
Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Most lienholders require physical damage coverage if you are financing or leasing your vehicle.
Comprehensive Coverage and Collision Coverage
What is known as "full coverage" is actually two forms of coverage on top of liability coverage, they are comprehensive coverage and collision coverage. A motorist may choose to have comprehensive coverage without collision, but not collision without comprehensive. A car insurance policy with liability and comprehensive coverage would be something in between the legal minimum and "full coverage."
Comprehensive coverage is often referred to as OTC (other-than-collision) coverage/ Obviously, it covers damages to your vehicle that caused by something other than a collision. For examples theft, fire, weather damage, etc., but the insurance companies confuse the issue by including accidents with animals as part of comprehensive coverage, instead collision. The logic behind this is that comprehensive is designed to cover things that aren't your fault.
Collision coverage is an optional add-on to comprehensive coverage - although it isn't optional if you still owe money on your car most finance companies require borrowers to carry full car insurance coverage on their vehicles.
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