Full Coverage Insurance.

What is Full coverage?

When agents, lenders, and insurers describe full coverage car insurance they're typically referring to carrying both liability and physical damage coverages. However, there's no consensus on what "full coverage car insurance" means. Don't be fooled—no insurer can sell a policy where you're 100% covered in all situations.
Instead of asking, "is my car insurance full coverage?," ask your agent or insurance company if you have the right coverages. Paying for every protection offered by your insurance company could be a waste of money. On the other hand, while your lender may consider state-minimum liability as sufficient, that may not be enough coverage to properly protect you and the other drivers on your policy. Your coverages should be customized to you, your family, and your vehicle.

Coverages we offer

Liability coverage

If you're at fault in an accident, liability coverage pays for damages or injuries you cause to others, plus lawsuit costs if you're sued, up to your policy's limits.


Uninsured/underinsured motorist insurance pays for injuries and/or damage to your vehicle, up to specified limits, if you're hit by a motorist with no insurance or not enough coverage.

Medical payments

Regardless of fault, medical payments can cover medical bills and funeral expenses if you're in an accident. Coverage extends to family members and your passengers. In some states, personal injury protection substitutes for medical payments and covers you similarly.

Comprehensive coverage

If your car is damaged or totaled due to an event out of your control (theft, vandalism, fire, glass breakage, hitting an animal or weather-related issues), comprehensive coverage can pay to repair or replace your vehicle, minus any deductible.

Collision coverage

Collision coverage can pay to repair or replace your vehicle, minus your deductible, if your vehicle collides with a car, motorcycle, tree, guardrail, or any other object — regardless of fault.

Rental car

If you're involved in a covered accident and unable to drive your vehicle, rental car reimbursement coverage can reimburse you for the cost of a rental car while your vehicle is being repaired.

Roadside assistance

If your vehicle is disabled for any reason, our roadside coverage provides towing to the nearest repair facility or up to 15 miles to the mechanic of your choice.
Get the right coverage from Riley Insurance

Why work with Riley insurance?

We protect what's most valuable to you.

We are independent insurance agents and brokers that are a part of our local communities and support the people and businesses in it. Unlike captive agents, we work for you and have access to multiple insurance companies to find you the best coverage. And when your goals change, we have got answers — no need to keep changing insurance agents!
We can help you get the coverage you need.

See what shoppers like you are saying!

We just got our first travel trailer and needed insurance on it and Bobby got back to us right away . He got us quotes and explained the different policies and helped us make an informed decision.
Farren Holland
He really helped me out and has fair prices!! I’ll always use Best 1 Stop!
Kristena Drake
We can help you get the coverage you need.