Does Full Auto Accident Coverage Mean I'm Fully Covered?

“Does full auto accident coverage mean I’m fully covered?” Although marketed as comprehensive, ‘full coverage’ may not cater to all situations. This article unpacks the term, guiding you through what typical does full auto accident coverage mean I’m fully covered includes, its limitations, and tips for ensuring your coverage truly matches your needs.

Key Takeaways

  • Full auto accident coverage typically includes liability, comprehensive, and collision insurance, but does not cover every event, including intentional damage, mechanical failure, or wear and tear.
  • Myths debunked: Full coverage insurance applies to the car, not the driver, and rates can increase even if you’re not at fault due to other factors considered by insurers.
  • Policyholders should review coverage limits and deductibles to ensure they meet personal needs and state requirements, and consider additional coverages like underinsured/uninsured motorist and medical payments coverage for comprehensive protection.

Exploring the Scope of Full Auto Accident Coverage

The term ‘full coverage’ might sound all-encompassing, but it’s not quite as straightforward as it seems. In fact, full coverage typically includes not just liability insurance but also comprehensive and collision coverage, forming a more complete protection package. However, it doesn’t cover every situation. For instance, intentional damage is usually not covered.

Full coverage auto insurance is designed to protect a driver financially through a combination of coverages for their vehicle, vehicle occupants, and other involved parties in an accident. Yet, the actual extent of coverage varies depending on your car insurance policy terms and exclusions. It’s therefore crucial to understand what your policy covers and what it doesn’t. 

Understanding Liability Insurance

Liability insurance is a crucial part of full coverage car insurance. It covers bodily injury and property damage to others when you’re at fault in a car accident. However, it does not cover damages to your own vehicle or your medical bills.

Your insurance company is obligated to provide legal defense if you’re sued for a covered accident under liability insurance. While this might provide some peace of mind, it’s important to remember that liability insurance is about protecting you from financial ruin if you’re responsible for an accident, not about covering your own losses.  

Collision Coverage Breakdown

Collision coverage is another key component of car insurance coverage, specifically in full coverage car insurance. It covers damage to your vehicle in the event of a collision with another vehicle or object, as well as in single rollover accidents.

The beauty of collision coverage is that it helps pay for the repairs to your vehicle regardless of who is at fault in an accident. This means that even if you’re to blame for the accident, your insurance company still covers the cost of repairing your vehicle, up to your policy’s coverage limits. 

The Role of Comprehensive Insurance

Comprehensive insurance, the third pillar of full coverage car insurance, covers damage to your vehicle resulting from non-collision events. This includes:

  • Theft
  • Vandalism
  • Natural disasters like flood and hail
  • Damage from collisions with animals

However, it’s important to note that comprehensive insurance does not cover damages related to normal wear and tear, mechanical failures, or collisions between vehicles. It’s particularly recommended for owners of newer cars, and those who are financing or leasing their vehicles. 

Unveiling Common Misconceptions About Full Coverage

Let’s now debunk some common myths about full coverage auto insurance. For starters, insurance coverage generally applies to the car rather than the driver. This means that your coverage follows your vehicle, not you.

Another prevalent myth is that not being at fault in an accident guarantees that your insurance rates will not increase. However, this is not always the case as filing any claim may impact premiums. Remember, insurance companies consider several factors, not just fault, when determining rates. 

Evaluating Additional Protection Options

While full coverage insurance provides a wide range of protection, there are additional coverages that can further enhance your auto insurance policy. One such option is underinsured motorist coverage, which protects against accidents where the at-fault driver does not have sufficient insurance, covering both bodily injury and property damage. Another important addition is uninsured motorist coverage, ensuring you’re protected even if the at-fault driver has no insurance at all.

Medical payments coverage and Personal Injury Protection can provide coverage for medical expenses, including medical bills and funeral expenses, regardless of fault, offering vital financial aid, particularly for those without health insurance or with high out-of-pocket expenses.

Rental reimbursement coverage ensures that policyholders are provided with a rental car while their own is being repaired after a covered loss, helping to mitigate the inconvenience of not having a vehicle. 

Limits and Deductibles: What You Need to Know

Coverage limits and deductibles play a significant role in your auto insurance policy. Coverage limits determine the maximum amount an insurer will pay for a covered loss. For instance, there are specific limits for bodily injury per person and per accident, and per accident for property damage.

On the other hand, deductibles are out-of-pocket expenses that you must pay before your insurance covers the remaining costs of a claim. They are applicable to comprehensive and collision coverage claims. Choosing higher coverage limits increases the premium, while opting for higher deductibles can lower the premium, reflecting your share of financial risk. 

How to Determine If You’re Fully Covered

Determining if you’re fully covered requires a careful review of your auto insurance policy. Start by assessing your coverage limits, especially for bodily injury and property damage, ensuring they meet your personal needs and comply with or exceed state requirements.

Review your deductible amounts for comprehensive and collision coverage to understand your potential out-of-pocket costs in the event of a claim. It’s also advised to review your auto insurance policy every six to twelve months to confirm the coverage remains adequate for your current financial and personal situation. 

Maximizing Your Auto Insurance Coverage

Maximizing your auto insurance coverage goes beyond just choosing the highest coverage limits. It involves tailoring your policy with higher limits, deductible amounts, and additional coverages that suit your financial ability and coverage needs.

You can also lower your auto insurance premiums through discounts by bundling policies, completing safe driving programs, and reducing annual mileage. When the cost of collision and comprehensive coverage is not economically justified, such as exceeding 10 percent of the car’s value, consider adjusting or removing these coverages. 

The Impact of Georgia State Laws on Auto Insurance

If you’re a driver in Georgia, you should be aware of the state’s minimum auto liability insurance coverage requirements, often referred to as 25/50/25. This means $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage per accident.

These limits represent the minimum required and are intended to provide financial protection if you are at fault in an accident. But remember, costs from accidents can easily exceed these minimums, so drivers often choose to purchase higher limits for better protection. 

Navigating Insurance Claims After an Accident

Navigating insurance claims after an accident can be a stressful process. You should call the police and gather comprehensive information such as names, contact details, driver’s license numbers, license plate numbers, and take photos of the damage.

Your insurance company will send an adjuster to evaluate vehicle damage and will pay either the repair costs or the actual cash value of the vehicle. You have the right to select your own auto repair shop, ensuring insurance companies pay the reasonable costs for repairs. Consider paying out of pocket for minor damages to prevent potential insurance rate increases instead of filing a claim. 

When to Consult with an Insurance Agent

Consulting with an insurance agent can be beneficial in several scenarios. They can help you evaluate coverage options and make informed decisions on a policy suited to your needs. Significant life events such as getting married, having a child, or going through a divorce necessitate the guidance of an insurance agent to properly adjust coverage.

Annual insurance policy renewal periods are an ideal time to consult with an insurance agent to ensure your policy is optimal for your current circumstances. If you’re seeking to decrease your insurance costs, agents can assist in exploring various cost-saving options.

Before speaking with an insurance agency after your accident, Scholle Law Car & Truck Accident Attorneys strongly recommends you contact us to take a look at your insurance policy and guide you on the right way forward.


In this blog post, we’ve explored the scope of full auto accident coverage, debunked common misconceptions, and provided tips on how to maximize your coverage. It’s clear that ‘full coverage’ doesn’t mean you’re covered in every situation, and it’s crucial to understand the components of your policy and adjust it according to your specific needs.

Remember, insurance is about protecting you from financial ruin, not just about meeting state requirements. Consult with an insurance agent, review your policy regularly, and don’t be afraid to adjust your coverage so that it best fits your current circumstances. Your peace of mind and financial stability are worth it.

Frequently Asked Questions 

What does full auto accident coverage include?

Full auto accident coverage includes liability insurance, collision coverage, and comprehensive insurance, providing a comprehensive protection package.

No, full coverage auto insurance is not required by law in Georgia. Georgia law only requires drivers to have minimum liability insurance, often referred to as 25/50/25.

Your car insurance coverage applies to the car, not the driver.

To maximize your auto insurance coverage, tailor your policy with higher limits, deductible amounts, and additional coverages tailored to your needs and financial ability.

You should consult with an insurance agent when evaluating coverage options, adjusting coverage during significant life events, and exploring cost-saving options. This can ensure that you have the most suitable coverage for your needs.