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.
- Accidents with animals,
- 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 does comprehensive insurance cover?
- Falling trees/limbs and other objects
- Accidents with animals (e.g., hitting a deer)
- 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
- Why USAA For Car Insurance
- How Much is Renters Insurance
- What is Gap Insurance
- What is SR-22 insurance
- What is Comprehensive Insurance
- How Allstate Accident Insurance Works
- Best Motorcycle Loans
- Best Motorcycle Accident Lawyer