What Is Full Coverage Auto Insurance—And Why You Really Need It

Confused by terms like Actual Cash Value (ACV) and Replacement Cost (RCV) when it comes to insurance claims?
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You’re not alone! We’re breaking it down in plain English so you can understand what payout you’d really get after a loss—and how to make sure you’re properly protected. Don’t wait until claim time to find out the difference!

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"Do you want full coverage or just liability?" It’s a common question—but most drivers aren’t exactly sure what “full coverage” means.

Let’s break it down clearly so you can make the best decision for your car, budget, and peace of mind.

🧾 What Full Coverage Really Means
“Full coverage” isn’t a specific insurance product—it’s a combination of coverages that go beyond the legal minimum. It typically includes:

1. Liability Insurance – Covers damage or injury you cause to others
   
2. Collision Coverage – Pays to repair or replace your vehicle if you crash into another car or object
   
3. Comprehensive Coverage – Covers non-collision events like theft, hail, fire, vandalism, or hitting an animal
   
   

In short: Full coverage protects your car, not just the people you might hit.

2. ⚠️ Why Minimum Liability Isn’t Enough
State minimum insurance (like what’s required in Texas, Missouri, or Kansas) only covers the other person’s expenses—not your own.
So if:

• You total your car in a one-car accident
  
• Your car is stolen or vandalized
  
• Hail destroys your roof or windshield
  
  

Liability insurance won’t pay a dime. You’d be fully responsible for repairs or replacement out of pocket.

💸 Who Really Needs Full Coverage?
✅ If you’re financing or leasing your vehicle — it’s required
✅ If your car is newer or valuable
✅ If you can’t afford to replace your vehicle tomorrow
✅ If you want peace of mind for hail, theft, flooding, and more

Even drivers with older cars sometimes choose full coverage if it fits their budget.

💡 Pro Tip: Watch Your Deductibles
With collision and comprehensive, you’ll choose a deductible (usually $500–$1,000). Higher deductibles mean lower monthly premiums, but more out-of-pocket at claim time.

➡️ Disclaimer: Every policy is different. Coverages, limits, and deductibles should be reviewed with a licensed agent to make sure they meet your needs.

🛡️ Protect What Moves You
At Corin Insurance, we help drivers in Texas, Missouri, and Kansas understand their auto policies—without confusing jargon. We shop multiple carriers to find full coverage options that fit your lifestyle and budget.

📲 Get a quote today and let’s make sure you’re truly covered from bumper to bumper.

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