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.
When someone asks for full coverage, most insurance agents will assume they’re looking for a policy that includes:
This combination offers solid protection in many common scenarios, but it is not a blanket solution.
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:
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.
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.
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.