“Full coverage” is slang — not a policy name. Two people who say it can have very different limits, deductibles, and extras. Always look at the declarations page (the summary sheet) instead of the nickname.
When someone asks for full coverage, they usually mean a mix of liability (for damage or injuries you cause) plus collision and comprehensive (for your own car). That combo is common — but it is not “everything,” and the details still matter a lot.
What most people actually need to ask about
- Liability limits — how much the policy can pay for injuries or property damage you cause to others.
- Collision — helps repair or replace your car after a crash, subject to your deductible.
- Comprehensive — helps with non-crash losses like theft, hail, vandalism, or hitting an animal.
- Deductibles — what you pay first before collision or comprehensive kicks in.
- Rental reimbursement — a loaner while yours is in the shop (often not included unless added).
- Roadside assistance — towing, jump starts, lockouts — handy, but usually an add-on.
- Uninsured / underinsured motorist — helps when the other driver has little or no insurance.
Why the nickname can mislead
Imagine two neighbors both say they have “full coverage.” One might carry higher liability limits, a modest deductible, rental coverage, and roadside. The other might have lower limits, a high deductible, and no rental. Same phrase — very different protection.
Before you renew, it is worth five calm minutes with Asshield™ to walk through what is really on your declarations page — in plain English.
Talk with Asshield™ before you renew so you know what’s really on the declarations page.
Educational only — not legal or coverage advice. Policies vary by state and carrier. Talk with Asshield™ about your situation.
Questions? Asshield™ is happy to walk you through it.
Get a quote online, or call your local line — Florida and Kentucky are separate so you reach the right team.