Insurance Curator 
Full auto insurance, also known as comprehensive coverage, is like the Swiss Army knife of car insurance policies. It’s the one-stop-shop for all your car insurance needs, providing a wide range of protection for you and your vehicle. But what exactly does full auto insurance cover? Let’s dive in and find out.
Liability Coverage
First and foremost, full auto insurance includes liability coverage. This is the bread and butter of any car insurance policy, covering damages and injuries you may cause to others in an accident. It’s like having a safety net that catches you if you accidentally bump into someone else’s car or, heaven forbid, cause a multi-car pile-up on the freeway.
But let’s not forget about the time when my friend, Sarah, backed into her neighbor’s brand-new sports car. Her liability coverage saved her from having to pay for the repairs out of pocket, and she was eternally grateful for it.
Collision Coverage
Next up, we have collision coverage. This part of full auto insurance covers damages to your own vehicle in the event of an accident. Whether you hit a tree, a guardrail, or another car, collision coverage has got your back.
I’ll never forget the time I hit a pothole the size of a crater and damaged my car’s suspension. Thanks to my collision coverage, I didn’t have to pay for the repairs myself, and my car was back on the road in no time.
Comprehensive Coverage
Comprehensive coverage is like the cherry on top of the full auto insurance sundae. It covers damages to your car that aren’t caused by a collision. This includes things like theft, vandalism, natural disasters, and even hitting an animal on the road.
I once had a friend whose car was stolen right out of her driveway. She was devastated until she remembered she had comprehensive coverage. Her insurance company provided her with a rental car and eventually cut her a check for the value of her stolen vehicle.
Uninsured/Underinsured Motorist Coverage
Unfortunately, not everyone on the road has insurance, which is where uninsured/underinsured motorist coverage comes in. This part of full auto insurance protects you if you’re in an accident with someone who doesn’t have enough insurance or any at all.
I have a cousin who was hit by an uninsured driver, and without this coverage, he would have been stuck with a hefty repair bill. Thankfully, his full auto insurance policy covered the damages, and he didn’t have to pay a dime.
Medical Payments/Personal Injury Protection
Last but not least, full auto insurance includes medical payments or personal injury protection (PIP) coverage. This covers medical expenses for you and your passengers if you’re injured in an accident, regardless of who’s at fault.
A few years ago, I was in a minor fender bender that resulted in some whiplash for me and my passenger. Our medical payments coverage took care of our doctor’s visits and physical therapy sessions without any hassle.
In conclusion, full auto insurance is like having a security blanket for your car. It covers a wide range of scenarios, from accidents to theft to natural disasters. With liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments/PIP coverage all rolled into one policy, you can drive with peace of mind knowing you’re protected from every angle.
As we move forward into an era of self-driving cars and ride-sharing services, the importance of full auto insurance cannot be overstated. It’s essential to stay informed about the latest developments in car insurance and ensure that your policy meets your needs in this ever-changing landscape.
So next time you’re shopping for car insurance, remember to consider full auto insurance. It may cost a bit more than basic coverage, but the protection it provides is priceless. After all, you never know when you might need that safety net to catch you.