How does a "full coverage" auto insurance policy differ from basic liability?

A "full coverage" auto insurance policy is considered comprehensive because it combines liability coverage with additional protections such as collision and comprehensive coverage. Liability coverage is designed to protect you in the event that you cause damage to another person or their property. In contrast, full coverage also assists in covering your own vehicle for damages resulting from accidents, as well as non-collision-related incidents like theft, fire, or vandalism.

With collision coverage, damages to your vehicle after an accident are covered, regardless of fault, while comprehensive coverage protects against events outside of driving, such as natural disasters or incidents not caused by a collision. This broader scope makes full coverage significantly more protective than just basic liability insurance, which is limited to covering the damages you may cause to others.