Comprehensive car insurance, also known as “full coverage” insurance, is a type of auto insurance policy that provides a broad range of coverage for various situations. Unlike liability insurance, which only covers damages caused to other people’s property or injuries, comprehensive car insurance also covers damages to your own vehicle.
Here are some key features of comprehensive car insurance:
Accidents: Comprehensive insurance covers the cost of repairs or replacement if your car is damaged in an accident, regardless of who is at fault. It also covers any injuries sustained by you or your passengers.
Theft and Vandalism: This type of insurance protects you against theft and vandalism of your vehicle. If your car is stolen or damaged due to an act of vandalism, comprehensive insurance will cover the cost of repairs or provide a payout for the value of your vehicle.
Natural Disasters: Comprehensive insurance typically covers damages caused by natural disasters such as storms, floods, earthquakes, and hurricanes. If your car is damaged due to these events, the insurance will pay for the necessary repairs.
Fire: If your vehicle is damaged or destroyed in a fire, comprehensive insurance will cover the cost of repairs or provide a payout for the value of your car.
Falling Objects: Comprehensive insurance covers damages caused by falling objects, such as tree branches or debris. If your car is damaged by a falling object, the insurance will cover the cost of repairs.
Animal Collisions: If your vehicle is damaged by colliding with an animal, comprehensive insurance will cover the cost of repairs. This includes collisions with deer, dogs, or any other animals.
Glass Damage: Comprehensive insurance often covers damages to your vehicle’s windows, windshield, or sunroof. If they are cracked or shattered, the insurance will cover the cost of repairs or replacement.
It’s important to note that comprehensive insurance usually comes with a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in. The specific coverage and deductibles may vary depending on your insurance provider and the policy you choose.
Comprehensive car insurance offers a more extensive level of protection compared to basic liability insurance. However, it’s always advisable to review your policy documents and consult with your insurance provider to fully understand the coverage details and any limitations or exclusions that may apply.