Rhode Island Insurance Adjuster Exam 2025 – Complete Study Guide

Question: 1 / 400

What typically defines a full coverage auto policy?

Liability coverage only

Collision and comprehensive coverage

Liability, collision, and comprehensive coverage

A full coverage auto policy is generally defined as one that includes a combination of liability, collision, and comprehensive coverage.

Liability coverage is essential as it protects you against claims for bodily injury and property damage that you may cause to others in an accident. Collision coverage takes care of damages to your own vehicle resulting from a collision with another vehicle or a stationary object, while comprehensive coverage covers damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters.

Having all three components means the policy offers extensive protection, often considered necessary for those who want to safeguard against a wide range of potential risks and liabilities on the road. Hence, the inclusion of liability, collision, and comprehensive coverage is what makes it a full coverage auto policy.

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