Auto insurance is a requirement in most states, but people often don’t pay much attention to the coverage they’re paying for. One of the most important types of auto insurance coverage is comprehensive auto insurance. In this article, we will give you a comprehensive auto insurance definition, so you can protect your car from all possible risks.
What is Comprehensive Auto Insurance?
Comprehensive auto insurance is a type of insurance policy that covers damage to your car that’s not caused by a collision. It covers things like theft, vandalism, fire, and natural disasters. It’s important to note that comprehensive insurance isn’t legally required, but it’s highly recommended.
Comprehensive insurance can be added to your existing policy or purchased as a standalone policy. It typically has a deductible, which is the amount you will pay out of pocket before the insurance kicks in.
What Does Comprehensive Auto Insurance Cover?
Comprehensive auto insurance covers a variety of events that can cause damage to your car. Here are some of the most common things that are covered:
Event |
Description |
Theft |
If your car is stolen, comprehensive insurance will cover the cost of replacing it. |
Vandalism |
If your car is vandalized, comprehensive insurance will cover the cost of repairs. |
Natural disasters |
If your car is damaged in a natural disaster such as a tornado or hurricane, comprehensive insurance will cover the cost of repairs. |
Fire |
If your car is damaged by fire, comprehensive insurance will cover the cost of repairs. |
Animal damage |
If your car is hit by an animal, comprehensive insurance will cover the cost of repairs. |
What Does Comprehensive Auto Insurance Not Cover?
While comprehensive auto insurance covers a lot of things, there are some events that it doesn’t cover. Here are some things that are not covered by comprehensive insurance:
- Collision damage
- Damage you cause to another car or property
- Medical expenses or injuries
- Damage to your car from normal wear and tear
Why Should You Have Comprehensive Auto Insurance?
There are a few reasons why you should consider getting comprehensive auto insurance. First, it provides protection against most types of damage that can happen to your car. This gives you peace of mind knowing that you’re covered in case something happens to your car.
Second, if you have a loan or lease on your car, the lender may require you to have comprehensive insurance. This is because they want to protect their investment in the car.
Finally, comprehensive insurance is relatively inexpensive compared to other types of insurance coverage. The cost of adding comprehensive insurance to your policy is usually only a few extra dollars per month.
FAQ: Frequently Asked Questions About Comprehensive Auto Insurance
How Much Does Comprehensive Auto Insurance Cost?
The cost of comprehensive auto insurance varies depending on a number of factors, including your age, driving record, location, and the value of your car. However, on average, comprehensive insurance costs around $200 per year.
Do I Need Comprehensive Auto Insurance?
While comprehensive auto insurance isn’t legally required, it’s highly recommended. If you want to make sure that you’re covered in case something happens to your car, then you should consider getting this type of insurance.
Can I Choose My Deductible for Comprehensive Auto Insurance?
Yes, you can choose your deductible for comprehensive auto insurance. The higher your deductible, the lower your premium will be. However, keep in mind that you will need to pay your deductible out of pocket before the insurance will kick in.
What Happens If My Car Is Totaled?
If your car is totaled and you have comprehensive auto insurance, the insurance company will pay the actual cash value of your car, minus your deductible. This means that you will be able to replace your car with a similar one without having to pay out of pocket for the full cost.
What Should I Do If I Need to File a Comprehensive Auto Insurance Claim?
If you need to file a comprehensive auto insurance claim, the first thing you should do is contact your insurance company. They will guide you through the process and let you know what information you need to provide. It’s important to file your claim as soon as possible to avoid any delays in getting your car fixed or replaced.
Conclusion
Comprehensive auto insurance is an important type of insurance that can protect your car from a variety of events. It provides peace of mind knowing that you’re covered in case something happens to your car. While it’s not legally required, it’s highly recommended. If you’re in the market for auto insurance, make sure you consider adding comprehensive insurance to your policy.
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