If you want to repair or replace your vehicle is something happens to it, you are going to want to carry full coverage car insurance. Car Insurance has 2 coverage parts. Liability and Physical Damage (Full Coverage) Coverage. The physical damage coverage is the coverage part that enables you to repair or replace your vehicle if it is damaged from a car accident or other covered loss. In this video, I describe what Full coverage is on your car insurance and when you should carry this coverage.