What Are Full Coverage Auto Insurance Limits? 
I think Cathy gave you a good answer . If I could , I might just expand to say , that in the first half of the twentieth century there were two types of auto insurance policies one for liability issues and one for physical damage issues . In fact many insurance agents of that era started working as physical damage agents connected with an auto retail dealer . Over time the notion became that one could buy Liability and Physical damage coverage which was then considered to be `` full coverage ' '' or cover more fully your exposures rather than buying only a liability policy . Those days are long gone and now most insurers cover a multitude of coverage types . My advice to anyone looking to properly insure your exposure to loss is to consider buying all the coverages you can . In the process of considering coverage ask an agent to explain how that particular coverage works . Education of the public is just one thing a good agent does whether they sell a policy or not . 