What is comprehensive car insurance? What does comprehensive insurance cover? And what does comprehensive car insurance not cover?
Comprehensive insurance is an optional car insurance coverage. It pays for damage to your car from causes other than a collision. So It covers theft, vandalism, fire, accidents with animals, natural disasters, and other acts of nature. It also may also cover glass and windshield damage. If your car is stolen or destroyed, comprehensive insurance helps pay to replace it. If you finance a vehicle purchase, you may be required to have comprehensive coverage. Also see property damage car insurance and liability only car insurance.
What is comprehensive car insurance?
Comprehensive car insurance is a type of auto insurance coverage. It helps protect your vehicle from damage or loss due to non-collision events. Such as theft, fire, vandalism, natural disasters, and falling objects.
Comprehensive coverage is often optional. But we recommendit for drivers who want to have extra protection beyond the minimum required by law. You can purchase it as a standalone policy or as part of a larger insurance package.
Comprehensive insurance provides peace of mind. But it’s important to note that it doesn’t cover everything. For example, it typically won’t cover damage caused by a collision or any injuries sustained in an accident. Additionally, comprehensive insurance usually comes with a deductible. Deductible is the amount you’ll have to pay out of pocket before your coverage kicks in. It is useful to know about Comprehensive car insurance coverages befor buying cheapest car insurance.
What does comprehensive car insurance cover?
Comprehensive insurance, also known as “comp” coverage. So it typically covers a wide range of non-collision incidents that damage or total your vehicle. Some of the events that comprehensive insurance covers include:
- Theft: If your vehicle is stolen, comprehensive insurance help you to cover the cost of replacing it.
- Fire and explosions: Comprehensive insurance can help cover the cost of repairing or replacing your vehicle if it damaged by fire or explosions.
- Natural disasters: If your vehicle damaged or destroyed by a natural disaster, such as a tornado, hurricane, or flood, comprehensive insurance help you to cover the cost of repairs or replacement.
- Vandalism: If your vehicle intentionally damaged by someone, such as through keying or graffiti, comprehensive insurance help you to cover the cost of repairs.
- Falling objects: Comprehensive insurance help to cover the cost of repairing or replacing your vehicle if it damaged by falling objects, such as tree branches or debris.
It’s important to note that comprehensive insurance coverage may vary by policy and insurance provider. So it’s important to carefully review your policy details to understand what is and isn’t covered. Additionally, comprehensive insurance typically comes with a deductible. Which is the amount you’ll have to pay out of pocket before your coverage kicks in.
What does comprehensive car insurance not cover?
Comprehensive insurance designed to provide coverage for non-collision events that can damage or total your vehicle. But it does not cover everything. Some examples of events that comprehensive insurance typically does not cover include:
- Collision damage: If you involved in a collision with another vehicle or object, comprehensive insurance will not cover the cost of repairing or replacing your vehicle. Collision coverage is a separate type of insurance that help cover these types of incidents.
- Personal injuries: Comprehensive insurance does not cover any injuries sustained by you or your passengers in an accident. Personal injury protection or medical payments coverage can help cover these types of expenses.
- Mechanical breakdowns: If your vehicle experiences a mechanical breakdown, comprehensive insurance will not cover the cost of repairs. An extended warranty or mechanical breakdown insurance can provide coverage for these types of issues.
- Driving under the influence: If you are driving under the influence of drugs or alcohol at the time of an accident, your comprehensive insurance may not provide coverage.
- Intentional damage: If you intentionally damage your own vehicle or someone else’s vehicle, comprehensive insurance will not cover the cost of repairs or replacement.
It’s important to carefully review your insurance policy to understand what is and isn’t covered, and to speak with your insurance provider if you have any questions or concerns(1).