What is not Included in a “Full Coverage” Insurance Package?

Working as a personal injury firm, we are familiar with car accidents and insurance companies. Coverage offered to our clients from insurance companies tends to vary depending on which package is purchased and from where. A common misconception in the insurance world is that the term “full coverage” means that everything is included in an insurance plan, which is misleading. “Full coverage” is a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages. Liability protection can help pay for damage caused by you in an “at-fault” accident, where you are responsible for a crash. Comprehensive and collision will help repair the damage done to your own car. Although “full coverage” includes a variety of car accidents, it might not provide the protection you need. Below is a list of coverage that tends to fall outside the scope of “full coverage” plans offered by insurance companies.  

Rental Car Coverage: Any damage done to your rental car after a covered accident.

Medical Payments Coverage: This coverage can help pay post-accident medical expenses regardless of who was responsible for the accident. It can also help pay for any expenses that isn’t included in your health insurance plan or if you exceed your health insurance limits.

Gap Coverage: Also known as auto loan or lease coverage, gap coverage will help you pay off your auto loan if your car is totaled before you pay off more than what it’s worth.

Emergency Road Service Coverage: Simply put, if you need assistance on the side of the road (i.e. tow truck, flat tire, etc.), emergency road service coverage will help pay for any expenses incurred as a result.

Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage will help pay for expenses that should be covered by another driver’s policy, but can’t because of the other driver’s lack of coverage.

Customized Parts and Equipment Coverage: This coverage will cover any additions made onto a car post-production (i.e. Sound system, chrome rims etc.).

If you have a “full coverage” insurance package and believe you have incurred any expenses similar to the ones listed above, you might not be covered for reimbursement. Walton + Brown, LLP will fight for your right to be fully compensated for any expenses you have incurred from a personal injury as a result of a car accident. If you or a loved one has been injured from a car accident, please call our firm at 614-636-3476 or visit our website at www.waltonbrownlaw.com.


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About Us

Walton + Brown, LLP takes pride in having a successful serious personal injury and civil rights practice, unafraid to step into a courtroom and litigate cases to the fullest extent necessary. With over 450 lawsuits filed and over $18 million in settlements or verdicts won for our clients, Sean and Chanda bring a record of success. Sean and Chanda have been awarded Top 100 and Top 40 Under 40 designations as trial attorneys.


Walton + Brown, LLP

395 E. Broad Street, Suite 200

Columbus, OH 43215

614-636-3476 (Office)

614-636-3453 (Fax)