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Texas insurance glossary

Full coverage

Full coverage is a market phrase rather than a policy: it usually means liability plus collision and comprehensive, and no policy sold in Texas covers every loss.

Sources checked

The phrase is worth defining precisely because it is used so loosely. Two people saying it often mean different sets of coverages, and a lender demanding it usually means physical damage on the financed vehicle and nothing more.

What it leaves out matters as much. Uninsured motorist, personal injury protection, medical payments, rental reimbursement and towing are each separate, and each can be rejected or simply never offered.

The only reliable answer for a particular policy is its declarations page. What a household actually needs is the auto insurance page.

Source: TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Collision coverage Collision coverage pays to repair or replace the insured’s own vehicle after it hits another vehicle or an object, or overturns, whoever was at fault.
  • Comprehensive coverage Comprehensive coverage pays for damage to the insured’s own vehicle from causes other than collision, such as theft, hail, fire, flood, vandalism and animal strikes.
  • Declarations page The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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