What Is Full Coverage Auto Insurance?
“They told me I had full coverage… until I needed it.”
Don’t let this be your story. Discover what full coverage really means—because when the unexpected happens, clarity beats assumptions every time.
The Myth of "Full Coverage"
If you've ever purchased car insurance, chances are you've heard the term “full coverage” thrown around. It sounds reassuring, doesn’t it?
Like a warm, invisible shield surrounding your car, ready to protect you from any disaster.
But here's the truth:
“Full coverage” is not an actual policy or standardized term in the insurance industry. It’s a misunderstood catchphrase—often overused and under-explained.
Most drivers think “full coverage” means total protection. Unfortunately, it’s a misleading phrase that can leave you dangerously exposed. At OnePoint Insurance Agency, we often meet clients in Georgia and Texas who believed they were covered—until a claim proved otherwise. Let’s break down:
What “full coverage” usually includes.
Common exclusions.
Must-have endorsements and add-ons (like glass coverage)
How to create a customized, real full coverage plan
Why bundling with OnePoint saves you time and money
What Does “Full Coverage” Typically Include?
“Full coverage” usually refers to a policy that bundles:
✅ Liability Insurance
Covers injuries or property damage you cause to others.
✅ Collision Coverage
Pays for damage to your car from a collision, regardless of fault
✅ Comprehensive Coverage
Protects against non-collision events:
Theft
Vandalism
Fire
Weather (hail, flood, wind)
Falling objects
Animal impacts (like hitting a deer)
These are great starting points—but still leave critical gaps in protection.
What’s Missing From "Full Coverage"?
Even with liability, collision, and comprehensive, many essential protections are not included unless you request them:
❌ Uninsured/Underinsured Motorist (UM/UIM)
❌ Personal Injury Protection (PIP) or Medical Payments (MedPay)
❌ Rental Car Reimbursement
❌ Roadside Assistance
❌ Gap Insurance
❌ OEM Parts Replacement
❌ Glass Coverage (Windshield/Windows)
Want a quick check to see if your policy includes these?
👉 Click here to review your options or get a quote now
🪟 What Is Glass Coverage — and Do You Need It?
Glass coverage is an often-overlooked endorsement that protects your:
Windshield
Side and rear windows
Sunroof or moonroof
In Georgia and Texas, replacing a windshield can cost $250 to $1,500 or more. Comprehensive may help — but only after you pay a deductible.
With a Full Glass Coverage Endorsement, repairs or replacements are often fully covered with no deductible.
If you commute daily, drive in high-construction zones, or live in hail-prone areas (like North Texas), this add-on is a must-have.
🔒 Common Auto Insurance Endorsements You Shouldn’t Ignore
To truly be “fully covered,” consider these policy endorsements that extend or enhance your protection:
Georgia and Texas-Specific Considerations
Georgia (GA):
Allows UM/UIM coverage stacking
High deer collision rate — glass & comp coverage recommended
Texas (TX):
High rate of uninsured drivers
Hail-prone areas like Dallas and Fort Worth demand stronger glass and comp coverage
State mandates PIP unless waived in writing
👀 Why "Full Coverage" Isn’t Enough in Real Life
Here’s a real-world scenario:
Your brand-new SUV gets sideswiped by an uninsured driver. Your insurance covers their damage—but your $1,500 windshield crack isn’t fully paid because you didn’t add zero-deductible glass coverage.
Sound familiar? Don’t let assumptions cost you thousands.
🛡 How to Get Real Full Coverage with OnePoint Insurance
At OnePoint Insurance Agency, we build custom, comprehensive auto policies tailored to your lifestyle—not cookie-cutter plans.
Why Georgia & Texas Drivers Choose OnePoint:
✓ Fast, affordable online quotes
✓ Same-day coverage available
✓ Experts in commercial & personal auto
✓ Local agents who understand your state laws
✓ Bilingual support available
👉 Click here to build your real full coverage plan now
🎯 Get a Personalized Auto Insurance Quote Today
Ready to upgrade to real full coverage?
✅ Protect every part of your vehicle
✅ Get peace of mind for your family
✅ Backed by a trusted local agency
Start now:
➡️ Get an auto insurance quote today.
➡️ Available in Georgia & Texas
📞 Ready to build a real full coverage plan?
👉 Call us at 770-884-8117 or click here to schedule your policy review
