Car comprehensive insurance is a type of auto insurance coverage that provides protection for your vehicle against damages caused by accidents, fire, theft, vandalism or natural disasters. It is a type of coverage that goes beyond the basic liability coverage of your auto insurance policy. With comprehensive insurance, you can have peace of mind knowing that your car is protected against a wide range of unforeseen events.
What Does Comprehensive Insurance Cover?
Comprehensive insurance covers damages to your car that are caused by events that are beyond your control. These include:
Event |
Description |
Accidents |
Collision with another vehicle or object |
Natural disasters |
Flood, hurricane, tornado, or earthquake |
Theft |
Stolen car or parts of the car |
Vandalism |
Malicious damage to your car’s exterior |
Fire |
Damage caused by flames or smoke |
Comprehensive coverage can also include coverage for damage caused by hitting an animal on the road, such as a deer.
It is important to note that comprehensive insurance does not cover damages caused by accidents that you are at fault for. For these types of damages, you will need collision coverage.
How Does Car Comprehensive Insurance Work?
When you purchase comprehensive insurance, you will pay a premium to your insurance company. In exchange, the insurance company will agree to pay for damages to your car that are covered by the policy. Depending on the policy, you may have to pay a deductible before the insurance company will start covering the costs of repairs.
If your car is damaged, you will need to file a claim with your insurance company. They will then send an adjuster to assess the damage and determine the cost of repairs. If the repairs cost less than your deductible, you will need to pay the entire cost out of pocket.
If the repairs cost more than your deductible, your insurance company will cover the cost of repairs up to the limits of your policy. You may also be eligible for a rental car while your car is being repaired.
FAQs
1. Is comprehensive insurance mandatory?
No, comprehensive insurance is not mandatory. However, if you have a car loan or lease, your lender may require you to have comprehensive insurance as part of your auto insurance policy.
2. How much does comprehensive insurance cost?
The cost of comprehensive insurance depends on several factors, including the value of your car, your driving record, and your location. On average, comprehensive insurance can cost anywhere from $100 to $400 per year.
3. Do I need comprehensive insurance if my car is old?
If your car is old and has a low value, you may not need comprehensive insurance. However, if your car is still valuable to you, it may be worth considering comprehensive insurance to protect it against unforeseen events.
4. Can I choose my deductible for comprehensive coverage?
Yes, you can choose your deductible for comprehensive coverage. A higher deductible will lower your premium but will require you to pay more out of pocket if your car is damaged. A lower deductible will increase your premium but will result in a lower out-of-pocket expense if your car is damaged.
5. Does comprehensive insurance cover windshield damage?
Yes, comprehensive insurance typically covers windshield damage caused by rocks, debris, or other hazards on the road.
Conclusion
Car comprehensive insurance is an important type of coverage that can protect your vehicle against a wide range of damages. Whether you are looking to protect a new car or an older car that is still valuable to you, comprehensive insurance can provide peace of mind knowing that you are covered against the unexpected.
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