What 'Full Coverage' Car Insurance Actually Covers—and What It Doesn't
Wilmington, N.C. – October 02, 2026 -- Drivers who assume "full coverage" car insurance protects against every possible loss may be in for a costly surprise, according to insurance expert Tammy McNeill of Wilmington, NC.
Full coverage is a bundle, not a standardized policy
The term typically refers to a combination of liability, collision, and comprehensive coverage rather than one uniform product. Liability coverage pays for injuries or property damage the insured driver causes to others, with limits that vary by state and policy. It generally does not pay to repair the policyholder's own vehicle after an at-fault accident.