What is a comprehensive auto insurance? It is a coverage that can help you pay for damages to your vehicle when they are not due to a collision.

What Does Comprehensive Insurance Mean?

Comprehensive insurance is an auto insurance policy that covers certain damages to your vehicle not caused by a collision with another car. It is required for leased vehicles and for vehicles that are being paid at this time through a loan. Comprehensive auto insurance is supplemental, which means it is an optional coverage that can be added to an insurance policy.

For maximum protection, you can combine comprehensive coverage with liability and collision coverage or choose classic car insurance that offers flexible use and coverage designed specifically for classic cars.

If you ask yourself, "what's the use of comprehensive insurance?" We give you an example: you rush home from your home for work in the morning and while you open the side door of the driver of your car you realize that a piece of hail the size of a baseball has collided against your windshield. You say to yourself, all the damages on the windshield are the same under my insurance policy with the minimum required by the state, right?

Incorrect.

To avoid paying for damages like the one mentioned above with your own money, you need comprehensive insurance.

A windscreen destroyed by hail would be covered by your comprehensive insurance, while a windshield destroyed by a traffic accident would be covered by your collision insurance or by the other driver's liability insurance.

What covers comprehensive insurance?

Each accident is unique, and comprehensive insurance covering your accident is determined by a wide range of circumstances. These are some of the types of damages that comprehensive insurance could cover:
  • Stole
  • Fire
  • Vandalism
  • Contact with animals
  • Fallen or flying objects
  • Hail
  • Damage to the windshield
  • Windstorms
  • Earthquakes

Is there a difference between comprehensive coverage and total coverage?

Yes. Some people use these terms interchangeably; however, there is an important difference, namely that most insurance providers do not offer anything called "full coverage". In other words, there is no auto insurance policy that covers everything.

As mentioned above, comprehensive insurance is an optional coverage that can be added to your liability insurance required by the state that offers additional protection against accidents not caused by a vehicular collision.

Instead of having a superpopulation, you can combine different types of coverage. Get more information about comprehensive coverage and get a quote today so you can create a customized policy that's right for you.

The terms, definitions and explanations of insurance are for informational purposes only and in no way replace or modify the definitions and information in the individual contracts, insurance policies or declaration pages that control them. These terms may vary depending on the state and exclusions may apply. Discounts may not apply to all policy coverages.

Adjust your comprehensive auto insurance policy according to your needs

Some policies insure your vehicle for the current cash value, instead of the replacement cost. That reflects the real value of the vehicle, not what you paid for it. In some states, you can purchase additional coverage, such as deficit coverage, replacement coverage for a new vehicle, or updating the value of the vehicle. These coverages offer extra protection for new cars.

Comprehensive insurance limits

You have more options when choosing the deductible amount of your comprehensive coverage, which is the amount you must pay before the insurance coverage begins. To lower the rate of your comprehensive coverage. A lower deductible will increase your rate, but will cover more in the event of a covered accident.

Is it mandatory to have comprehensive auto coverage?

When applying for a full auto insurance, comprehensive auto coverage is already included. If you buy an agency car, then you must keep your vehicle insured until the financing ends.

In most cities in the United States, it is not required by law to have comprehensive auto coverage. However, it is highly recommended to buy it if the car driver is learning to drive on the road. This allows him to keep calm in the face of any possible financial crisis that he may face after a car incident.

With comprehensive insurance, the car is protected against any type of unforeseen damage and is not included in the collision or accident coverage. When applying for auto insurance, ask if this includes comprehensive coverage or if you should purchase it separately.

How much does a comprehensive auto insurance cost?

The cost will always depend on the coverages you select as well as the value of your car in the current market. For example, there are companies that fix the cost according to the value of the car and not what you paid at the time of purchase. The cost increases in the event that special coverages are requested.

It is important to personalize the comprehensive auto insurance in order to know exactly what services you are paying for. Not having a comprehensive coverage insurance causes the owner of the vehicle to have to pay for the damages caused. Normally, repairs are often very expensive, not to mention the time lost and the lack of legal knowledge.