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What does it really mean when someone says, "I have full coverage on my car insurance or auto insurance?"

Full coverage means that you have comprehensive and collision coverage as well as liability coverage. 

What is COLLISION COVERAGE?  Portion of an auto insurance policy that covers the damage to the policyholder’s car from a collision.
What is COMPREHENSIVE COVERAGE? Portion of an auto insurance policy that covers damage to the policyholder’s car not involving a collision with another car including damage from fire, missiles falling objects, explosions, earthquakes, windstorm, flood-hail-water, vandalism, riots-civil commotion, breakage of glass, and theft.

One last covered comprehensive loss that most would think would be covered under collision coverage is the contact with a bird or animal. However this is covered under comprehensive coverage. Yes if you hit a deer it is a comprehensive claim.
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