What is full coverage automobile insurance? Well, that depends on who you ask. To your insurance company it means having liability insurance which protects the other person and is required by law as well as comprehensive and collision which protects your car, but you will notice no where in there are you mentioned or are you protected. To me full coverage is having liability insurance, comprehensive and collision and personal injury protection benefits and uninsured and underinsured motorist coverage. Personal injury protection benefits or PIP will pay your medical bills and lost wages if you’re in any accident and they will pay it immediately not six months down the road when it’s time to settle the case. Uninsured and underinsured coverage will pay you if the other person was at fault but did not have enough insurance or had no insurance. If you have questions about the type of coverage you have, ask your insurance agent. Make sure you truly have full coverage. The cost can be very small. The cost if you don’t have it can be great.