An example of what comprehensive insurance covers is your car getting stolen, vandalized with graffiti, or damaged by a falling tree branch. Comprehensive insurance covers damage to your vehicle caused by events other than collisions. Comprehensive insurance is sometimes said to cover “acts of god” because it covers things that are out of your control and cannot be prevented or predicted.
Examples of What Comprehensive Insurance Covers
Vandalism (like a broken window or slashed tires)
Fires (not related to a collision)
Natural disasters (like storms, hail, wind, floods, lightning, and earthquakes)
Falling objects (like a tree)
Animal damage (like hitting a deer)
Glass damage (not related to a collision)
Comprehensive car insurance does not cover things like collisions with other vehicles or with inanimate objects on the road, like hitting a pothole. Keep in mind that comprehensive insurance will only cover damage up to your policy limits, minus your deductible.
Example of How Comprehensive Insurance Works
Let’s say a tree branch falls on your car and damages the roof and windshield. Since this is non-accident-related damage, you can contact your insurance company and request to file a comprehensive insurance claim. You can file a claim online or by calling and speaking with an agent. You will likely need to provide details about the incident as well as evidence of the damage. Additionally, before your insurance coverage kicks in, you will be required to pay your deductible.
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
Comprehensive insurance is coverage that helps pay for the cost of damage to your vehicle when you're involved in an accident not caused by a collision. Comprehensive car insurance covers losses from things like theft, vandalism or extreme weather events.
Comprehensive coverage is never required by state law, but it is usually needed for cars that are leased or financed.… read full answer
You should consider buying comprehensive coverage if you cannot afford to pay out of pocket to repair or replace your car in a worst-case scenario. Comprehensive insurance is usually considered to be a good investment since it’s cheaper than other types of car insurance and covers events that are out of your control as a driver. A good rule of thumb is that if the cost of comprehensive insurance exceeds 10% of your vehicle’s value, you can consider dropping it.
Comprehensive car insurance does not cover vehicle damage caused by a car crash, medical expenses from a collision, or a car’s normal wear and tear. Comprehensive insurance also does not cover damage from colliding with stationary objects or from hitting potholes.
Hitting stationary objects like a house, fence, or telephone pole
Damage from the road itself, such as potholes
Accident-related medical expenses
Costs not directly related to the incident, such as childcare or lost wages
Roadside assistance of any kind
Rental car expenses after an accident
Comprehensive insurance helps to repair or replace your car in the event of things like natural disasters and vandalism. It is sometimes said to provide coverage for “acts of god” because it covers things that are outside of a policyholder’s control, or things that cannot be predicted or prevented. It is also referred to as “other-than-collision” coverage.
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