--- title: "Full Coverage Isn’t What You Think: What Auto Insurance Really Covers" description: Discover what full coverage auto insurance really means and learn why it's crucial to understand your policy's specifics to ensure true protection. image: https://blog.concklin.com/hubfs/Full%20Coverage.png --- [Skip to content](https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- May 7, 2025, 9:19:23 AM # Full Coverage Isn’t What You Think: What Auto Insurance Really Covers ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) [envelope icon](mailto:?body=https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) Full Coverage Isn’t What You Think: What Auto Insurance Really Covers 2:51 One of the most common things people say when buying car insurance is, “I just want full coverage.” It sounds like a safe, all-in-one solution, but it’s also one of the most misunderstood phrases in auto insurance. Here’s the truth: there’s no such thing as a “full coverage” policy. It’s not a standard product, and it doesn’t mean everything is covered. ## What Agents Typically Assume You Mean When someone asks for full coverage, most insurance agents will assume they’re looking for a policy that includes: - Liability coverage, which is required by law and covers injuries or damage you cause to others - Collision coverage, which pays for damage to your vehicle from a crash, regardless of who is at fault - Comprehensive coverage, which pays for damage to your vehicle caused by things like theft, fire, vandalism, weather, or animal This combination offers solid protection in many common scenarios, but it is not a blanket solution. ## Where the Term Falls Short The phrase “full coverage” gives the impression that every possible situation is taken care of, but in reality, there are many gaps unless you specifically add additional coverage. For example, it usually does not include: - Medical payments or personal injury protection(where available) for your own injuries - Rental car reimbursement while your vehicle is being repaired - Towing and roadside assistance - Gap insurance if you owe more on your car loan than the vehicle’s value. (Available if your car is leased or financed) Because the term “full coverage” is vague, it can lead to assumptions and confusion. That is why a good insurance agent will always dig deeper, asking questions to find out what protection you actually need, not just what sounds good on paper. And it’s worth noting: Mechanical breakdowns and routine maintenance are never covered by auto insurance.  ## What “Full Coverage” Could Mean In its broadest sense, full coverage might include liability, collision, and comprehensive, along with several optional coverages tailored to your needs. But since it is not a defined term in the industry, every policy labeled “full coverage” can look different depending on the agent and the customer. ## Why Working with an Agent Matters If you want true peace of mind, don’t just ask for full coverage. Ask for clear, honest answers. That is where working with an independent agent really makes a difference. At Concklin Insurance Agency, we do more than check boxes on a form. We take the time to understand your situation, explain your options, and help you choose coverage that fits your life, your risks, and your budget. Our job is to make sure you understand what is included, what is not, and how your policy would respond to a real-life claim. Because full coverage is not the goal. Real protection and real clarity are. 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