What is the difference between comprehensive and full coverage insurance

If your car is damaged by someone in an act of vandalism, you can expect your comprehensive auto insurance policy to pay you a benefit. If your car is stolen or if something inside the car is stolen, this is the policy that you would want in order to make sure you're reimbursed and receive money to replace it. Personal Finance Car. By Jerusha Hardman Updated September 10, There is a difference between comprehensive and full coverage insurance.

Comprehensive Insurance Coverage. Video of the Day. Full Coverage Auto Insurance. Other Types of Coverages. What does full coverage mean? Is full coverage different from comprehensive coverage? Keep reading to find out. Full Coverage: Full coverage auto insurance is a plan that includes liability insurance, collision coverage, and comprehensive coverage. Comprehensive Coverage: Comprehensive coverage covers non-accident related damages to your vehicle.

If your vehicle is stolen, vandalized, damaged by rodents , or damaged while parked in front of your home, for example, then you can make a claim under comprehensive coverage.

Comprehensive coverage can also cover storm damage, windshield repairs , and more. Essentially, any damages to your vehicle that occur outside of an accident may be covered under comprehensive coverage. All full coverage plans have comprehensive coverage. It implies that your car is fully covered by your insurance company in all situations. There are still plenty of reasons for a car insurance company to deny your claim.

When you have a full coverage plan, you might assume that your insurance company will cover all medical costs , vehicle repairs , and other damages associated with an accident. Instead, full coverage plans may provide just basic liability coverage. While full coverage plans include coverage for incidents covered under comprehensive insurance, the two plans are very different.

If comprehensive covers all the unpredictable damage that happens, collision handles the damage that can be linked to another party—namely, another driver. The good news is that if the other party is liable, your insurance company can pursue that individual for your deductible as well as the portion of your damage he or she is responsible for. Full coverage essentially combines both of these types of coverage under the same plan.