What Is Full Coverage Auto Insurance in California? 

In California, “full coverage” is not an official policy type. Instead, it typically refers to a combination of coverage types that can provide broader financial protection than the minimum state-required insurance.

Coverage Inclusions

Although there is no formal definition, full coverage auto insurance often includes the following:

• Liability coverage may provide financial support for third-party bodily injury and property damage you may cause during an accident.
• Collision coverage may help cover repair costs for your vehicle after a crash, no matter who is responsible.
• Comprehensive coverage may prevent financial loss from fire, theft, vandalism and severe weather events.

Additional Coverages to Explore

Many drivers also choose additional benefits such as:

• Uninsured and underinsured motorist coverage—This can help if you are involved in an accident with an at-fault driver with limited or no insurance at all.
• Roadside assistance coverage—This can provide financial support if your car breaks down or needs towing.

Why Full Coverage Matters in California

California’s busy traffic and varied weather can increase the chance of accidents or vehicle damage. A fuller set of protections can help cover repair bills, medical costs and other financial responsibilities after an incident. This type of policy is especially useful for those with newer vehicles that may have higher replacement costs. Additionally, many lenders require both collision and comprehensive coverage.

Reach Out Today

Calle's Insurance helps California drivers secure auto insurance. Our team can discuss available options, answer your questions and help you tailor a personalized policy. If you would like to review your current policy or receive a quote, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.