Lilah Butler, Car Insurance Writer
State Farm comprehensive insurance covers damage to the policyholder’s car that was caused by something other than a collision, such as vandalism or a natural disaster. State Farm comprehensive coverage will pay up to the actual cash value of the vehicle, minus any deductible, for covered repairs.
What State Farm Comprehensive Car Insurance Covers
- Vandalism and damage from civil disturbances
- Damage from falling objects, like trees
- Fire damage
- Animal damage, including damage caused by collisions with deer
- Damage from natural disasters and other weather events, like hail
- Glass damage that was not caused by a car accident
Comprehensive insurance is not mandatory in any state. However, dealerships and lenders generally require it on leased and financed cars in order to protect their investment.
Drivers almost always purchase comprehensive insurance together with collision insurance, which pays to repair or replace the covered vehicle after a car accident regardless of who was at fault. Policies that include comprehensive and collision insurance plus the state’s minimum coverage requirements are often referred to as “full coverage”.
You can log into your online account on the State Farm website or call customer service at (800) 782-8332 to add comprehensive insurance to your policy.
To learn more, check out WalletHub’s guide to comprehensive insurance.
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