# Full coverage car insurance

**URL:** <https://howtodiscuss.com/t/full-coverage-car-insurance/28008>\
**Category:** Insurance\
**Created:** [October 24, 2020, 3:08pm UTC](https://howtodiscuss.com/t/full-coverage-car-insurance/28008 "2020-10-24T15:08:34Z")\
**Posts on this page:** 1\
**Showing post:** 4

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**Author:** ![Omar\_Verev](https://howtodiscuss.com/letter_avatar_proxy/v4/letter/o/e274bd/32.png) [@Omar\_Verev](https://howtodiscuss.com/u/Omar_Verev)\
**Post date:** [October 29, 2020, 7:28pm UTC](https://howtodiscuss.com/t/full-coverage-car-insurance/28008/4 "2020-10-29T19:28:58Z")

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It’s worth reiterating anumie’s point, there is no such thing as full coverage car insurance. In actuality, full coverage is just a combination of insurance coverages (some are required, others are optional) that you can adjust to best fit your needs and your state policies and laws. For example, bodily injury and property damage liabilities are required in almost all states, while the choice to have a comprehensive coverage is left to you, or imposed by your lender.

Below are some of the most common types of car insurance along with their requirement in U.S.A.

| Type of coverage | Required or optional |
| --- | --- |
| Liability (which includes bodily injury coverage and property damage liability) | Required |
| Comprehensive | Optional |
| Collision | Optional; (May be required in a car loan or a lease.) |
| Medical payment | Required in some states |
| Rental reimbursement | Optional |
| Uninsured Motorist | Required in 20 states; and, Washington D.C. |

Keep in mind, lenders may require you to buy collision and comprehensive coverages in a car loan or a lease in order to protect their interest.

# conclusion

As anumie suggested, if full coverage seems worth it for you (e.g. you car is expensive, your neighbourhood is often vandalized, etc.), you might prefer to have a full coverages intact. If it’s not (perhaps you live in quiet neighbourhood or you drive an affordable car), go with only what fits your needs, as most of the “full coverage” insurance is optional anyway.

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