Comprehensive Car Insurance
What is comprehensive car insurance?
Comprehensive car insurance is one of the most basic types of car insurance coverage, and it’s beneficial because it protects against many things. It typically pays for any non-collision damages to an insured’s vehicle, which is any damage you have absolutely no control over, also known as “acts of nature.”
What does comprehensive insurance cover?
Here are a few examples of non-collision damages — that you have no control over — that are covered by comprehensive car insurance:
- Damage from a break-in or vandalism
- A shattered or cracked window or windshield
- Damage after a bird, deer or other animal strikes your car
- Damage after a fire or explosion
- Damage after an earthquake, tornado, hail, windstorm or other natural disaster occurs
- Damage after something falls onto your car
Whether all of your vehicle has been damaged, or just part of your vehicle, comprehensive coverage helps cover the cost of repairs.
Other benefits of comprehensive insurance
Additionally, comprehensive insurance is the perfect way to protect your vehicle while it is being stored — long term or short term. Many people incorrectly think that their home insurance will cover any damage their vehicle incurs while it is being stored or parked in your garage, but this isn’t the case.
You can give yourself peace of mind knowing that if you are not using your vehicle for a period of time and have to put it into storage (or leave it parked in your garage), comprehensive coverage will pay for any damage (covered under your comprehensive policy) that occurs to your car during that time.