MYTH: I Have Full Coverage, So Everything Is Covered.
Full coverage is a phrase commonly used when talking about auto insurance—but it doesn’t mean that every accident, situation, or expense is automatically covered.
In fact, full coverage isn’t a specific type of insurance policy.
People often use the term to describe a combination of liability, comprehensive, and collision coverage. But your actual protection depends on the coverages you selected, your limits, deductibles, exclusions, and the terms of your policy.
For example, having comprehensive and collision coverage doesn't necessarily mean you have every optional protection available.
That’s why one of the best questions to ask isn't: Do I have full coverage? Instead, ask:
Knowing what’s included—and what isn’t—before an accident can help prevent unexpected surprises later.
