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Why Full Coverage on Auto Insurance?

Good morning. Cameron McGinness here with McGinness Insurance. I’m going over the most Googled auto insurance questions. Hope everyone’s having a wonderful day. So, today’s question is, “Why full coverage?”
That’s one of my favorite ones. The term full coverage. What is full coverage? Everybody has a different explanation for full coverage. I’ve had some people tell me that full coverage was liability. I’ve had some people tell me full coverage was comp and collision coverage with liability, and some people say it’s every coverage possible. Which is great, you can have every coverage possible on your auto policy but still not be fully covered, because you’re only covered up to a certain limit, typically. Right?
So if you carry the state minimum, which is $10,000 in property damage liability in Washington state, and you cause an accident and you do more than $10,000 in damage, you’re only covered up to $10,000. So, is that full coverage? Not really, right? If you caused a major car accident and sent somebody to the hospital, you could have a half million dollar bill and you only have $50,000 in liability. That’s not really full coverage.
But anyway, phone’s calling, ringing, I gotta go. Talk to you later. Thanks guys.