Breaking Down Comprehensive Auto Insurance

What is Comprehensive Auto Insurance?

Comprehensive auto insurance is typically a type of insurance that handles the physical damage that occurs as a result of something other than a collision with another vehicle. Comprehensive auto insurance usually pays for the repair costs to the vehicle, less the deductible you previously chosen. Auto comprehensive insurance is not usually required by the state, but if you lease your vehicle, the lender may require that you add comprehensive auto insurance on your vehicle. To learn more about comprehensive insurance, please read “Comprehensive Auto Insurance”.

What is covered?

Comprehensive auto insurance usually handles the cost to replace the glass in the vehicle that is damaged by hail or stones. It will usually cover the cost of damage caused by wind, flooding, and other events related to weather.

Earthquakes and Deer

Comprehensive auto insurance will usually cover the costs of repair associated with damage caused by earthquakes, fire, vandalism, theft, and other objects. It will usually also cover the repair costs associated with hitting a deer, other animal or bird.

Restrictions

Auto comprehensive coverage does not usually cover damage that is caused by general wear and tear, or mechanical breakdowns. It will also not cover the costs to damage caused by rust or tire damage. Also, comprehensive auto coverage will not handle the costs associated with the loss of property that is left in a vehicle, or the damage that may occur to another person’s property.

Comprehensive vs. Collision

Comprehensive auto coverage and collision auto coverage are different types of coverage for physical damage. Collision coverage will usually cover the costs of physical damage that occurs to your vehicle if it is hit by another vehicle. It will also usually cover physical damage that is caused by a collision with an object, such as fences, poles and trees. It does not usually cover the costs of damage to someone else’s property. Comprehensive is for physical damage that is caused by something other than a vehicle to vehicle collision.