What does full coverage typically encompass?

Full coverage typically encompasses liability, collision, and comprehensive coverage. This term refers to a broad range of protection for drivers, combining different types of insurance to help cover various risks associated with operating a vehicle.

Liability coverage pays for damages to others if you are at fault in an accident, covering their medical expenses or property damage. Collision coverage addresses damages to your own vehicle caused by a collision with another vehicle or object, regardless of fault. Lastly, comprehensive coverage covers non-collision-related incidents such as theft, vandalism, or natural disasters, ensuring that a driver is protected against a wide array of potential losses.

Other options present narrower scopes of insurance. For instance, liability insurance alone provides only minimal protection and does not account for collision or comprehensive risks one may face while driving. Additionally, while personal injury protection and uninsured motorist coverage are important, they alone do not represent the comprehensive coverage that encompasses all three key areas: liability, collision, and comprehensive. Thus, full coverage is best represented by the combination offered in the correct answer.