What is full coverage auto insurance?
It is the state minimum plus Comprehensive and Collision.
Comprehensive covers theft,fire, vandalism and storm damage. Pretty much anything that doesn't involve a collision(crash).
Collision covers damages done by a collision, hitting another vehicle, or someones property.
That is pretty much the idea of full coverage and things like rental/towing, med pay are all extras that are not in Comp/Coll. So even if your insurance says you have "full coverage" it doesn't mean you are literally covered for anything. I always here I need a tow truck and they will say I have full coverage and in reality they have comp/coll but no towing coverage.
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