A full coverage policy covers physical damage and total theft (deductibles apply) of your vehicle. If you purchase a full coverage Chubb Platinum or HDI Premier policy, the coverage is extended to include partial theft and vandalism (deductibles apply). A full coverage policy also includes a liability limit to cover damages you may cause to third parties, medical payments for occupants of your vehicle (except for motorcycles and ATVs), legal assistance and bail bond, and roadside assistance (for most vehicles). Our full coverage policies are considered "no fault" coverage. In case an at fault uninsured motorist hits you, our policies cover damage to your vehicle.