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What Does Full Coverage Auto Insurance Actually Cover?

February 3, 2026·5 min read·Auto Insurance

"Full Coverage" Is a Myth

There's no such thing as "full coverage" in insurance terminology. When people say "full coverage," they usually mean liability + collision + comprehensive. But even that has gaps.

What "Full Coverage" Typically Includes

1. Liability — pays for damage you cause to others

2. Collision — pays to fix YOUR car after an accident

3. Comprehensive — theft, fire, vandalism, weather, animals

What It Usually DOESN'T Include

  • Uninsured motorist — critical in California where 15% of drivers are uninsured
  • Rental car reimbursement — you'll need a rental while your car is in the shop
  • Gap insurance — if you owe more than your car is worth and it's totaled
  • Roadside assistance — towing, flat tire, lockout services
  • Medical payments — your medical bills after an accident
  • Our Recommendation

    True "full protection" includes:

  • Liability: 100/300/50
  • Collision: $500 deductible
  • Comprehensive: $500 deductible
  • Uninsured Motorist: 100/300
  • Medical Payments: $5,000
  • Rental Reimbursement: $50/day
  • Roadside Assistance
  • For roadside assistance specifically, consider a FasTrak Roadside membership — often more comprehensive and cheaper than the insurance company add-on.

    Don't Assume You're Covered

    Review your policy with a FasTrak agent — we'll identify any gaps and find you better rates.

    📞 (800) 267-5550


    FasTrak Insurance Solutions — real protection, not just a checkbox.

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