There are a lot of incidents that can happen to your car aside from a crash. This is why there exists a special type of car insurance that helps in these other scenarios. It’s called comprehensive car insurance coverage.
What Is Comprehensive Coverage?
Comprehensive coverage is optional coverage for motorist unless you are leasing or financing your vehicle.
Comprehensive coverage pays to repair damage to your vehicle that is not due to automobile accidents. But because it does cover a variety of situations that collision does not, makes it extremely valuable to have.
Here are all the conditions that fall under car insurance comprehensive coverage.
Understanding the process of comprehensive car insurance
For you to understand more, let’s paint a clear scenario. While driving a tree trunk falls and hits your car. You estimate that the damage is over a thousand dollars. The next step for you to do is to file a claim to your insurance company. Once your car insurance provider approves this they will pay for the repair of your car, minus your deductible.
It’s important to know the difference between comprehensive coverage and collision coverage. A lot of people tend to confuse these two with each other. If your vehicle gets into a crash with another car or an inanimate object, that is what falls under collision coverage. Anything else that happens to your car outside of your control falls under comprehensive coverage.
When to add a comprehensive insurance
This is a consideration that should be thought through since you are going to pay additional monthly premiums for this coverage. If you are financing your car, this is not optional, you must add comprehensive coverage to your premium. An average cost for monthly premium with this coverage is around twenty-two dollars as long as you are not a high risk driver. There is also a deductible to consider which starts around one-hundred dollars to five-hundred dollars.
Ask yourself if it’s worth it
Would you want to be prepared for a lot of scenarios or do you want to save more on insurance? Are you able to buy a new car? What is the likelihood of you making a claim? All these questions are necessary to decide if comprehensive insurance is for you.
Know what comprehensive insurance covers
Be aware that comprehensive insurance can vary, so it’s a good idea to carefully review your car insurance policy to understand what is covered or better yet talk it over with your insurance company.
- Windshield and glass damage
- Damage from flying objects, like an item falling off a vehicle, or falling trees/limbs and other objects
- Accidents with animals, like hitting a deer
- Damage due to severe weather or natural events, like storms, hail, wind, floods, lightning, and earthquakes.
Take note of this when asking yourself if it’s worth it. Comprehensive and collision coverage is a must-have if you need to file a claim with your car insurance company for almost all types of damage to your vehicle, including its total loss. There is no other type of insurance that will cover the cost to repair your car in this way.