If you’ve ever heard the term “full coverage”, you may be wondering what it really includes—and what it doesn’t. At Oklahoma Farm Bureau Insurance, we want to help Oklahoma drivers understand their options so you can make the best decisions for your car and your budget.
What Is Full Coverage?
“Full coverage” isn’t a single policy—it’s a combination of coverages designed to protect your vehicle from a variety of risks. Typically, it includes:
- Liability Coverage: Covers damage or injuries you may cause to others in an accident. In Oklahoma, liability coverage is required by law.
- Collision Coverage: Pays for damage to your vehicle if you’re involved in an accident, regardless of who is at fault.
- Comprehensive Coverage: Protects your car from non-collision events, such as theft, vandalism, natural disasters, or hitting an animal.
Learn more about the coverages we offer on our Personal Auto Insurance page.
What Full Coverage Does NOT Include
Even with full coverage, some things aren’t automatically covered:
- Medical Expenses: Your medical bills and those of your passengers may require personal injury protection or medical payments coverage.
- Uninsured/Underinsured Motorists: Additional coverage may be needed if you’re in an accident with a driver who doesn’t have enough insurance.
- Roadside Assistance & Rentals: Towing, labor, and rental car expenses typically aren’t included unless you add them to your policy.
Cost Considerations
Full coverage provides broader protection, but it also comes with higher premiums than minimum liability coverage. Consider your vehicle’s age, value, and your personal budget when deciding what coverage makes sense. Sometimes, a less expensive policy may be more practical for older vehicles.
Choosing the Right Coverage for Your Needs
The right auto insurance policy depends on your individual situation:
- Vehicle Age & Value: Older cars may not require full coverage.
- Financial Considerations: Consider your ability to handle repair or replacement costs out-of-pocket.
- Loan or Lease Requirements: Lenders may require full coverage for financed or leased vehicles.
At OKFB Insurance, our agents can help you find a policy that fits your needs, your car, and your budget.
“Full coverage” doesn’t mean everything is covered, but it does provide a strong foundation to protect your car, your finances, and your peace of mind. Take a few minutes to review your policy and talk to your local OKFB Insurance agent to make sure your coverage aligns with your needs.
We’re Here to Help
Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, farm and ranch, and life insurance needs.
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