Yikes. That’s an unfortunate but sadly common mistake. Terms like “full coverage” don’t really have any real meaning, despite people repeating the made-up term.

I am fairly certain that it would be illegal for an agent to sell that to you without clarifying.

Funny enough, one of the first articles to pop up in a search for this is from Geico: https://www.geico.com/information/aboutinsurance/auto/full-c...