Comprehensive insurance is a type of automobile insurance that covers damage to your car from causes other than a collision. Comprehensive insurance would cover your vehicle if it was destroyed by a tornado, dented by a run-in with a deer, spray painted by a vandal, damaged by a break-in or crushed by a collapsing garage, among other causes. Comprehensive insurance, collision insurance and liability insurance are the three components of an automobile insurance policy. Auto Insurance. Your Money. Personal Finance. Financial Advice.
This being said, most insurance companies will waive the deductible in the case of a glass repair, so it is worth calling your agent or representative to know your conditions. Some states, according to the Insurance Institutemay also offer endorsements for full glass coverage in addition to the comprehensive coverage, that allows the policyholder to opt for no deductible when there is a glass claim. Comprehensive coverage claims do not normally count as responsible accidents.
Responsible accidents would fall under the liability or collision portion of your auto insurance and not the comprehensive coverage section. One confusing part of auto insurance comprehensive coverage which is unlike all the rest of the insured perils under comprehensive insurance is the coverage for hitting an animal.
If you hit a groundhog, squirrel, moose or even hit a deer with your car, hitting an animal is covered by the comprehensive coverage of your auto policy. It is the rare occasion where you hit something while driving and it is not counted against you as a responsible accident.
Most states and insurance companies will not consider this kind of claim a responsible accident.
Rental reimbursement coverage only applies if you have it added to your policy as an endorsement. It is not included in comprehensive coverage. If you want to have a rental car while your vehicle is being repaired due to a comprehensive claim, then you need to make sure that you have comprehensive coverage on your car and rental reimbursement coverage or loss of use coverage. If you do not have comprehensive coverage, then the rental reimbursement coverage will not come into play because the damage isn't covered.
Insurance Glossary. By Mila Araujo. What is Comprehensive Coverage?
Comprehensive insurance covers your car if it's damaged by hail, storms, falling tree limbs or other acts of nature. See more on what it covers. Looking for information on Comprehensive Auto Coverage? IRMI offers the most exhaustive resource of definitions and other help to insurance professionals. Comprehensive coverage is optional if you've paid off your vehicle. It helps pay to replace or repair your car if it's stolen or damaged by things like hail, wind or.
Some examples are: There is a need to choose a deductible amount when acquiring a quote for comprehensive coverage. The deductible amount one chooses determines the amount of the comprehensive coverage. Insuranceopedia Terms: Toggle navigation Menu. Comprehensive Automobile Liability Insurance.
Insuranceopedia explains Comprehensive Automobile Liability Insurance Comprehensive auto liability insurance is a coverage introduced by insurers to their product lines.
Share this: Related Terms. Related Articles. The Ultimate Guide to Auto Insurance. How to Pick the Right Insurance Company. Accidents with animals are covered by comprehensive and not collision because these accidents are considered out of your control. See more on collision insurance.
Definition and examples of comprehensive car insurance coverage. What kind of accident does it cover? Do you need it? What kinds of. Comprehensive insurance is a type of automobile insurance that covers damage to your car from causes other than a collision. Comprehensive Automobile Liability Insurance Definition - Comprehensive automobile liability insurance is a type of coverage you can purchase as part.
And, remember, if you lease or finance your car, your lender might require you to maintain comprehensive coverage. If it hails like crazy, your car could easily be totaled.
Would you then be OK paying completely out of pocket to buy another car? If not, add comprehensive and then you'd only have to pay your deductible. Typically, drivers with more expensive cars add comprehensive insurance because few can handle paying that much out of pocket.
What is comprehensive insurance?
Dropping comprehensive is like gambling against nature. You're betting that unforeseen events beyond your control won't damage your car. Without comprehensive, that's how much you may have to pay out of pocket.
Keep in mind, repair costs can vary widely based on your damage and how much your car is worth. Typically more expensive cars cost more to repair.Why I Skip Collision & Comprehensive Coverage
Most common comprehensive claims: Glass claims and then accidents with deer are the most common. If you live in Arizona or another desert state, you're at a much higher risk for glass claims as rocks are frequently kicked up by cars.
Please note: The above is meant as general information to help you understand the different aspects of insurance.
Definition of comprehensive auto insurance
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states.
Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. We are not responsible for the content of any third-party sites linked from this page. Not a Customer?
Wondering what comprehensive car insurance covers? Get the full scoop with this comprehensive coverage definition and guide from Nationwide. Comprehensive car insurance pays for damage to your vehicle caused by or modify the definitions and information contained in your individual insurance. What are the pros and cons of getting comprehensive car insurance over other types? This means that the overall cost of third-party cover goes up. That's why .
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