Comprehensive Insurance: What Does it Cover?

If you own a car, it is important to understand the different types of coverage available and to get the protection you need. One type of coverage is known as comprehensive auto insurance which pays for damage to your car caused by something other than a collision. It is one of the most valuable auto coverage options you can buy. Let’s take a look at what comprehensive insurance covers.

What is Comprehensive Insurance?

Comprehensive insurance is a type of auto coverage that helps you pay for damage caused to your vehicle from a non-collision incident. Common claims include theft, vandalism, fires, flooding and other natural disasters, and hitting an animal. This type of insurance is optional and is not required by any state, however it often comes with comprehensive protection packages tailored to vehicles.

Comprehensive Coverage Benefits

Comprehensive auto insurance offers a range of benefits, especially if your car is damaged or stolen. It pays for the damage to your car after the insurance company has determined that it is not the result of a collision. This coverage can often help you replace your car if it is stolen or totaled by something other than a collision. It also pays for costs to repair other damage to your car or to replace items that are stolen from inside it.

Potential Exclusions

Like any other type of insurance, comprehensive insurance often has exclusions, which means there are some things it might not cover. For example, it won’t cover damage caused by regular wear and tear and mechanical breakdowns. Additionally, damages caused by an intentional act or recklessness on your part may not be covered. Finally, your policy may have a limit that applies to coverage, so you may be responsible for paying the difference between the policy limit and the cost of repairs.

Overall, comprehensive insurance is an important type of coverage that can help you in the event of an incident that is not related to a collision. It can help you pay for a variety of expenses, from repair or replacement costs to towing and labor costs. Understanding the potential exclusions and limits of your policy is key to making sure you get the coverage you need.