Comprehensive insurance covers vehicle damage caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps you pay to repair or replace your car in case of damage from vandalism or natural disasters, but it does not cover vehicle repairs after hitting a car or telephone pole.
What Comprehensive Insurance Covers
- Fires (not related to a collision)
- Natural disasters
- Animal damage (including hitting a deer or other animal
- Glass damage
Comprehensive insurance is sometimes said to cover “acts of god” because it applies to things outside of a policyholder’s control that can’t really be predicted or prevented.
What Comprehensive Insurance Doesn’t Cover
- Collision with another vehicle
- Hitting a stationary object (such as a house or fence)
- Damage caused by the road surface (like potholes)
- Roadside assistance (including jump starts and towing)
- Rental car expenses after an accident
- Medical expenses
Key Things to Know About Comprehensive Insurance Coverage
Coverage Limits Are Based on Your Vehicle’s Value
The coverage limits for comprehensive insurance are determined by the vehicle’s actual cash value, so the more a car is worth, the more the insurer will pay in a claim.
Comprehensive Insurance Includes Deductibles
Deductibles typically range from $100 to $1,000 and must be paid before your insurer will cover the rest of the claim.
Comprehensive Is Usually Paired with Collision Insurance
Comprehensive insurance is often purchased in conjunction with collision insurance so the policyholder is protected from both accident-related and non-accident-related damage.
Comprehensive Insurance Is Not Required By Law
While no states require drivers to have comprehensive insurance, you may be required to purchase it if you have a loan or lease on your vehicle.
To learn more, check out WalletHub’s guide to comprehensive insurance.