What is Comprehensive Insurance?

What is Comprehensive Insurance?

Comprehensive insurance coverage is defined as optional coverage that covers damage to your vehicle driven by non-collision events that are outside of your control.

This include:

  • Vandalism,
  • Theft,
  • Fire,
  • Accidents with animals,
  • Weather,
  • Glass and windshield damage,
  • or other acts of nature.

Though often referred to as “comprehensive insurance,” comprehensive coverage refers to a specific coverage on an existing policy, not a particular type of insurance. For example, lenders may require you to have comprehensive when you finance or lease a vehicle.

Comprehensive coverage helps cover the expense of damages to your vehicle when you are involved in an accident that’s not driven by a collision. In addition, comprehensive coverage covers losses like hail, theft, vandalism, and hitting an animal.

What is Comprehensive Insurance

What does comprehensive insurance cover?

  • Falling trees/limbs and other objects
  • Accidents with animals (e.g., hitting a deer)
  • Theft
  • Vandalism, fire, and explosions
  • Rocks/objects kicked up by or falling off cars
  • Hail, wind, floods, Storms, lightning, and earthquakes
  • Windshield and glass damage

What does comprehensive insurance not cover?

  • Legal fees
  • Lost income for you or your passengers if you miss work after an accident
  • Property stolen from your car
  • Damage to your car from a collision
  • Medical expenses
  • Damage to another person’s car from a collision

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