Full Coverage Auto Insurance
— Complete Protection for Every Drive

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Drive confidently, knowing you’re protected in every situation — not just the basics.

Full Coverage Auto Insurance goes beyond state-required liability insurance. It combines multiple coverages to protect you, your car, and others, whether you’re at fault or not.

At Cover AI, we help drivers get affordable, tailored full coverage policies, ensuring they stay safe and financially secure on the road.

What Is Full Coverage Auto Insurance?

Full Coverage isn’t a single policy — it’s a bundle of essential protections:

Coverage Type

What It Covers

Collision Coverage

Pays for damage to your car after an accident, regardless of who’s at fault.

Comprehensive Coverage

Covers non-collision incidents like theft, vandalism, fire, hail, or animal strikes.

Liability Coverage

Pays for injuries and property damage you cause to others. (Legally required.)

Bonus: You can also add extras like roadside assistance, rental reimbursement, and gap insurance.

Coverage Type

Collision Coverage

What It Covers

Pays for damage to your car after an accident, regardless of who’s at fault.

Coverage Type

Comprehensive Coverage

What It Covers

Covers non-collision incidents like theft, vandalism, fire, hail, or animal strikes.

Coverage Type

Liability Coverage

What It Covers

Pays for injuries and property damage you cause to others. (Legally required.)

Important: Liability insurance does not cover your own car or medical bills — only the damage or injury you cause to others.

Why Full Coverage Matters

Protects Your Investment

Your car is valuable. Whether it’s a minor fender bender or major storm damage, repairs can be costly — full coverage saves you from paying out of pocket.

Covers “Acts of Nature”

From hailstorms to deer on the highway, comprehensive coverage protects you from unpredictable events.

Peace of Mind for Loan or Lease

If you’re financing or leasing your car, lenders often require full coverage — and you’ll want it to avoid unexpected costs.

Typical Coverage Limits

Tip: Higher deductibles lower your premium but increase your cost when filing a claim.

Coverage

Collision Deductible

Recommended Limit

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Coverage

Comprehensive Deductible

Recommended Limit

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Coverage

Liability Limits

Recommended Limit

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Real-Life Example

You hit a deer at night, damaging your car’s front end. Without full coverage? You pay everything.

With full coverage? Insurance pays for repairs — you just pay your deductible.

Who Should Get Full Coverage?

Why Choose COVER AI ?

FAQ — Liability Insurance

Does full coverage cover any accident?

It covers most — including theft, vandalism, weather, animal collisions, and at-fault accidents. But it won’t cover intentional damage or routine maintenance.

How much does full coverage cost?

It depends on your car, location, driving history, and coverage limits. We’ll help you find an affordable option.

Can I drop full coverage later?

Yes — once your car’s value drops, some drivers switch to liability-only. We can guide you on when that makes sense.