The difference between full coverage and comprehensive insurance is that full coverage is an auto insurance policy that includes both comprehensive and collision insurance, along with the state's minimum requirements. Comprehensive insurance covers damage to a car caused by causes other than accidents, such as theft or fire. Collision insurance is a type of coverage that pays for damage to your own car as a result of an accident. Collision insurance will also cover damage to your car if you have an accident, but you can't find the other driver if you're hit and run away, or if the other driver simply stops answering your calls after the accident occurs.
Collision insurance will help you pay for the costs of repairing or replacing your vehicle, even if you've had an accident with an uninsured driver. Another benefit is that you only deal with your own insurance company, rather than another insurer with less incentive to pay your claim. Comprehensive car insurance pays for damage caused by something other than your car crashing into something else. If your car is stolen, comprehensive insurance covers the cost of replacing it or repairing any damage if you recover.
Full-coverage car insurance, a combination of comprehensive and collision insurance, offers maximum financial protection when you're involved in a car accident. If you have a valuable car and are in an area at risk of natural hazards, consider taking out comprehensive insurance to protect against the unforeseen risks of damage to your car. Collision insurance can also be used to rent a car in most cases, which can save you from having to buy rental car insurance.
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