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Home > Car Insurance > Ask An Agent – Do I Have Full Coverage?

Ask An Agent – Do I Have Full Coverage?

Posted on: February 8, 2016 By: Good To Know

“Do I have full coverage?” is a popular question around our office.  Clients often want to know if they have full coverage or liability only on their auto insurance policy.  Unfortunately, there is no such thing as full coverage insurance!

Here’s the problem – “full coverage” has become a common term, but it can mean lots of different things.  If a bank tells you that you need full coverage, they typically mean Collision and Comprehensive coverage.  But you might think that full coverage means you have everything we offer.  And there are a few important differences between the two.  

Collision is what fixes or replaces your vehicle if you have an accident.

Comprehensive is what fixes or replaces your vehicle after storm damage, theft, vandalism, and other situations that don’t involve an accident.  

These two coverages are usually required by lenders and are sometimes called full coverage.  But there are other things you may THINK you have when you say full coverage, that aren’t automatically included.

One of those items is Rental Reimbursement.  This is the coverage that supplies you with a rental car while your car is in the shop for repairs due to a claim.  Another is Towing coverage, which tows your vehicle if it breaks down or even runs out of gas.  

So what should you do to make sure you’re protected?  The best recommendation is to work with a local agent who can sit down and review your coverage line by line.  We’ll explain each item, make suggestions for gaps you may have in your coverage, and make sure that you know EXACTLY what you’ve got!  No more vague “full coverage” nonsense.  Call us today at 715-598-9924 for a quote or to review your current policy!  

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What clients have to say:

Mike T. "I started a business last year and Robert responded to my inquiries immediately, and was extremely helpful and knowledgeable as to the type of insurance coverages I would need to get started. Now its been a year and he now carries All of my coverages! Absolutely the most hands on agent I've ever worked with but hands down the friendliest! I can call him anytime and never feel rushed and not only that but he responded while on a family vacation. I believe in relationships in business and so does Robert by the way he treats his customers. I have a true friend in the business, thank you Robert!"


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Thanks for the great service 1 Reason Insurance !"


Jeff H. "Very nice and cares about the customer! He was literally the reason why i chose him over other companies for my insurance"

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