What Does Comprehensive Insurance Cover?

When you are shopping for a new or pre-owned vehicle, one of the most important factors to consider is the kind of insurance you’ll get. But what does comprehensive insurance cover? Comprehensive insurance is a type of insurance that covers damages not related to car accidents. Sam Leman Automotive Group answers the question, “What is comprehensive coverage?” and more below!



What is Comprehensive Coverage?

So, what does comprehensive auto insurance cover? There are damages that come from car crashes, and then there’s a host of other problems that drivers can encounter. Comprehensive insurance coverage is designed for the following: 

  • Lost or Stolen Vehicles: Comprehensive insurance coverage handles damages that result from the unfortunate event of a theft or disappearance.
  • Vandalized Vehicles: If your car has been subject to vandalization, that’s where comprehensive insurance coverage steps in.
  • Falling Objects: If some road hazard in causes problems, this coverage is designed to help. 

What Does Comprehensive Auto Insurance Cover?: Other Insurance Plans 

Sometimes, the best way to answer the question, “What does comprehensive auto insurance cover?” is to list other insurance programs available to drivers. 

  • Liability Insurance: This well-known insurance is designed to cover damages from accidents. It pays for repairs on other vehicles and includes medical bills as well. 
  • Gap Insurance: Many asking, “What is comprehensive coverage?” also inquire about gap insurance. Gap insurance is designed to cover a common problem; new vehicles lose value quickly. When your vehicle’s value drops beneath your loan amount, this is known as an “underwater” loan. Gap insurance fixes that problem, covering the difference between your vehicle’s value and the loan amount. 
  • Collision Insurance: Covering both single and multi-vehicle collisions, this insurance covers the repair costs for totaled vehicles and even comes with coverage for the cost of a new car! 

Discussing Insurance Plans

Are you still asking “What does comprehensive insurance cover?” You can contact a dedicated finance department at a dealership. They’re used to setting up payment plans, so you can ask how to integrate comprehensive insurance into your purchase. 

Find a New Vehicle in Bloomington, Morton, Peoria!

At Sam Leman Automotive Group, we know Bloomington, Morton, Peoria drivers want to keep their vehicles in great condition. That’s why our service center can help repair the vehicles you can find in our new vehicle specials. Please contact us today with any questions about comprehensive insurance coverage and more!

Sam Leman Automotive Group 40.4607752, -88.9687249.