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What Does Comprehensive Insurance Cover?

car insurance paperwork with car key
 

If you’re preparing to purchase a new vehicle, you may be asking, “What does comprehensive auto insurance cover?” Put simply, comprehensive auto insurance covers damages that are not a result of a collision, such as falling or flying objects, vandalization, or if your car was lost or stolen. Comprehensive insurance coverage also typically protects against glass damage, such as a cracked or broken windshield. Learn more about comprehensive insurance coverage below and feel free to contact us with any questions you have along the way. Our finance experts are here to help!

 

 

What Does Comprehensive Auto Insurance Cover?

So, what is comprehensive coverage, exactly? Comprehensive insurance coverage includes damages to your vehicle that are not the result of a collision. Here are some examples:

  • Windshield/glass damage
  • Vandalism, fire, explosions
  • Falling objects like trees
  • Vehicle theft
  • Storms, wind, hail, floods, lightning, earthquakes, and other natural disasters
  • Hitting a deer/other animal-related accidents

What Does the Comprehensive Coverage Process Look Like?

We have answered, “What does comprehensive insurance cover?” But, how does it work? Let’s say your vehicle acquires $3,000 worth of damages from an earthquake. Before you can get comprehensive coverage, you’ll need to file a claim with your insurance provider.

After filing your claim, you’ll need to bring your vehicle into your local service center for repairs. Before you can get the repair charges covered, you’ll first need to pay your deductible. In this case, let’s say the deductible is $1,000. After paying your $1,000 deductible, the remaining $2,000 will be covered by your insurance.

Comprehensive vs. Collision Insurance

Like other drivers, you may be wondering about the difference between comprehensive coverage and collision coverage. Simply put, if the damage isn’t a result of a collision and occurred due to something outside of your control, it will be covered by comprehensive insurance.

Collision insurance specifically covers car accidents. For example, if you swerved your vehicle into a tree to avoid hitting an animal, the damages will likely be covered by collision insurance.

Learn More About Comprehensive Insurance Coverage with DeYarman Automotive Group

Now that you have the answer to, “What is comprehensive coverage?” Feel free to contact DeYarman Automotive Group for more information. We’re here to help you pick the right coverage for your needs! You can check out more finance tips from our experts in the meantime.

 

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