"Full coverage" isn’t a real policy type — it usually means liability plus collision and comprehensive. It still has limits, deductibles, and exclusions, and it may not include things like rental or gap coverage.
"Full coverage" is sales shorthand, not a coverage guarantee. It typically bundles state-required liability (what you do to others) with collision (your car in a crash) and comprehensive (theft, weather, animals). But every piece has limits and deductibles, and plenty isn’t automatically included: rental reimbursement, roadside assistance, gap coverage for a financed car, uninsured-motorist protection beyond state minimums. When a claim disappoints someone with "full coverage," it’s usually because a limit was low, a deductible applied, or the loss fell into a gap. Read the declarations page — that’s your actual coverage, not the phrase.
If they’re uninsured or underinsured, only if you carry uninsured/underinsured motorist coverage — which "full coverage" doesn’t always include.
It pays the car’s value, which can be less than the loan balance. Gap coverage exists precisely for that difference.
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