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 Insurance?
When you purchase a new vehicle, you want to make sure that it’s adequately covered when you’re out and about in . One of the types of insurance is comprehensive insurance, but what does comprehensive auto insurance cover? Comprehensive insurance coverage protects against damage to your car that has not resulted from a collision. If your vehicle is lost, stolen, vandalized, or hit by a falling object, and you have comprehensive insurance coverage, the insurance company will pay for the repair. In many cases, comprehensive insurance will also cover a cracked or broken windshield, along with other types of glass damage. Read on to learn more about what comprehensive auto insurance covers, below!
What Does Comprehensive Insurance Cover?
What does comprehensive insurance cover, exactly? This may vary from provider to provider, but here’s generally what you can expect:
- Vehicle theft
- Windshield/glass damage
- Vandalism, fire, explosions
- Falling objects like trees
- Storms, wind, hail, floods, lightning, earthquakes
- Hitting a deer/other animal-related accidents
It’s important to keep in mind that if you swerve to avoid hitting a deer on the road, and you end up hitting a car or a tree, this would be covered by collision insurance instead.
How Does Comprehensive Insurance Coverage Work?
Now that you know what comprehensive insurance covers, here’s how it works:
- Your car gets damaged–For instance, there’s a severe hailstorm in the area that causes $3,000 worth of damage.
- You file an insurance claim–In order to get coverage, you will need to file a claim. Depending on your provider, you can do this online, by phone, or via a mobile app.
- Take your vehicle in for repairs–Depending on the amount of your deductible, you will need to pay that out of pocket. From there, your insurance company will cover the remaining amount.
What’s the Difference Between Comprehensive vs. Collision Insurance?
What’s the difference between comprehensive coverage vs. collision coverage? Essentially, both forms of insurance cover different events:
- Collision insurance specifically covers car accidents
- Comprehensive insurance covers events that are outside of your control
Learn More About Your Insurance Options with Sam Leman Automotive Group
Now that you know the details of comprehensive insurance coverage, check out our hub of car buying tips, where you can learn more about your insurance options. From liability insurance to GAP insurance, you can explore all kinds of coverage and choose one that best suits your needs. If you have any additional questions about comprehensive coverage or other forms of coverage, feel free to give us a call at or stop by our showroom near !