Full coverage automobile insurance refers to a specific set of coverages that protect the driver and the driver's assets after a motor vehicle accident, fire, vandalism or theft. Specific coverages are required in order for a policy to be considered a full coverage policy.

Property Liability

Property liability coverage is the most basic coverage of any auto policy. It covers the damage to personal property, other than the driver's, in the event of an at-fault accident. Damage to another car, real property or any other tangible asset is covered up to the policy limits.

Bodily Injury Liability

Bodily injury liability covers injury to persons involved in a motor vehicle accident in which the covered person is at fault. Much like property liability, doctor's bills, etc., are covered up to specific limits in the policy.

Comprehensive

Comprehensive coverage pays for damage caused to the covered driver's vehicle that was not caused by a motor vehicle accident. This includes theft, fire, vandalism, riot or any other damage as long as the vehicle was not involved in an accident.

Collision

Collision coverage pays for damage to the covered driver's vehicle in the event it is involved in an at-fault accident. If the covered driver causes the accident, this coverage will pay for repairs to the vehicle.

Uninsured Motorist

Uninsured motorist coverage pays for damages to the covered driver's vehicle in the event it is involved in a motor vehicle accident in which the at-fault party is either uninsured, underinsured or leaves the scene of the accident.

Source:

Nationwide