Auto · Updated September 2026
When people say full coverage they almost always mean liability plus collision plus comprehensive. That combination repairs the other party's property, repairs your vehicle after an accident, and covers non-collision damage like hail, theft or a deer.
It says nothing about limits. A driver carrying state minimum liability with collision and comprehensive is often told they have full coverage, while carrying the least protection the law allows for the part that matters most.
Uninsured and underinsured motorist coverage at meaningful limits, which is what pays your medical bills when the at-fault driver has nothing.
Gap coverage, which pays the difference between what you owe on a financed vehicle and what it is worth after a total loss.
Rental reimbursement and roadside assistance, small in cost and the coverages people miss most in practice.
Higher liability limits, which is the cheapest meaningful upgrade on most policies.
State minimum limits were set long ago and have not kept pace with the cost of vehicles or medical care. A single hospital stay after a serious accident can exhaust a minimum limit before anyone considers the vehicles involved. Above that limit, the injured party can pursue your assets and future income.
Raising liability limits is generally one of the least expensive changes on a policy, because severe claims are relatively rare. Umbrella coverage extends across auto and home together for a similarly modest premium.
Pull your declarations page, not your ID card. It lists each coverage and limit for each vehicle. Look for liability limits, whether uninsured motorist matches them, your deductibles, and whether comprehensive and collision apply to every vehicle or only some.
If any of it is unclear, bring the page in. Reading a declarations page alongside someone takes ten minutes and regularly turns up gaps people have carried for years.
Questions about your own situation? Call 417.623.8300 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma.
Questions about your own policy? Send it over and we will go through it with you.