Question: I want full coverage on my car. What do I need?
Answer: I have no idea. Seriously, I have no idea. I have heard the expression “full coverage” for yeras. The problem is that I have no idea what it means. And neither does anyone else.
Full coverage could mean that you have comprehensive, collision, liability coverage and uninsured motorist coverage. But it could also mean you have all of those plus rental and towing. Or it could mean you just have comprehensive, collision and liability only. And every agent has a different definition.
You cannot buy “full coverage.” If you go in asking for it and an agent is willing to sell you full coverage, you should be cautious. You need to know what you want to buy, and what you need. In California, you are only required to have liability coverage, that is, coverage for other people. If you have a financed car, you are probably required to have comprehensive and collision as well.
The best approach is to call around. Find a broker who is willing to take the time to explain these things to you. Of course, if you have questions, I offer a free phone consultation on your insurance to discuss any questions you may have.