What does Comprehensive Insurance Cover?
Comprehensive insurance also covers windshield damage, which can be expensive and inconvenient to fix. Comprehensive insurance is optional, but it can be beneficial if you have a new or expensive car, or if you live in an area with a high risk of theft, weather, or wildlife. Comprehensive insurance does not cover damage from collisions, liability, or medical expenses.
Event | Covered by Comprehensive Insurance |
---|---|
Theft | Yes |
Vandalism | Yes |
Fire | Yes |
Flood | Yes |
Hail | Yes |
Animal Strikes | Yes |
Windshield Damage (in some cases) | Yes (optional add-on) |
Collision | No |
Liability | No |
Medical Expenses | No |
You need to buy other types of insurance for those situations. Comprehensive insurance is also subject to a deductible, which is the amount you have to pay out of pocket before the insurance kicks in. The higher the deductible, the lower the premium, but also the more you have to pay in case of a claim. You should choose a deductible that suits your budget and risk tolerance.
What Is Comprehensive Insurance and What Does It Cover?
If you own a car, you know how important it is to have insurance. But do you know what kind of insurance you need? There are different types of car insurance policies, and one of them is comprehensive insurance. Comprehensive insurance covers damage to your car caused by events other than collisions, such as theft, vandalism, fire, flood, hail, or animal strikes. It can also cover the cost of repairing or replacing your windscreen, which is often damaged by flying debris or rocks.
Comprehensive insurance is optional, but it can save you a lot of money and in case of an unexpected incident. In this article, we will explain what comprehensive insurance is, what it covers, and how to decide if you need it.
Table of Content
- What Is Comprehensive Insurance?
- What does Comprehensive Insurance Cover?
- Advantages Of Purchasing Comprehensive Insurance for Cars
- Advantages and Disadvantages of Comprehensive Insurance
- Comprehensive Insurance and Collision Insurance