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Full Coverage Auto Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/11/2017

Q: My car insurance agent told me there is no such thing as full coverage auto insurance, but I know I have been told there is by other people, does my agent know what they are talking about?

A: Yes, your car insurance agent knows what they are talking about because full coverage auto insurance is actually just a myth. Because there are so many pieces to car insurance and because we all need different coverages to provide us with the best protection possible for our unique situations, there is literally no such thing as full coverage auto insurance.

Full Coverage Auto InsuranceWhat this came from is that people started calling having liability and comprehensive and collision on their vehicles “full coverage”. But one, that is not the most insurance coverage that you can possibly buy, so it is really not “full” in that sense. Two, to one person having full coverage may be the liability, the comp, the collision, the towing, and the rental car coverage and to another it may just be the liability coverage that the state requires them to have.

So rest assured, your car insurance agent does indeed know what they are talking about.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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