What is Comprehensive Auto Insurance? Do I Need it?

 In Auto Insurance, Blog

Comprehensive Insurance 101

Car insurance is essential, not just because it is mandatory in most states, but because it makes complicated vehicle situations much easier to handle. Anyone who owns or drives a vehicle should have it.

Comprehensive coverage is also known as “other than collision” coverage. Simply put, this type of coverage will help you pay to replace or repair your vehicle under circumstances that don’t include a collision —collision coverage will take care of that. Comprehensive coverage will usually be required when you’re leasing or financing a vehicle, but if you own the car, it is optional— although, quite helpful.

7 Situations Covered by Comprehensive Insurance

Comprehensive coverage is very different from collision coverage. Still, it comes with a lot of other benefits you may want to consider the next time you have to shop for auto insurance or review your current policy. It will cover the damage associated with the following events:

hands holding vehicle steering wheel#1 Theft

Imagine if someone stole your vehicle today. Replacing it is not usually an easy task. Comprehensive coverage would reimburse you for the value of your stolen vehicle if that were to happen.

#2 Fire

Comprehensive coverage will pay for damages caused to your vehicle by fire incidents.

#3 Natural Disasters

Every season brings different types of weather events, and their impact tends to be unpredictable. If your vehicle gets caught in the middle of a natural disaster, such as a tornado or a hurricane, comprehensive coverage will pay for the damage.

#4 Damage caused by animals

Hitting an animal doesn’t count as a collision. If you run into an animal on the road and —unfortunately— end up hitting it, your comprehensive insurance policy will cover the damage caused.

Other events covered by comprehensive insurance are:

  1. Vandalism
  2. Falling objects
  3. Civil disturbance

You could probably live without comprehensive coverage, but are you willing to take that risk? Purchasing this coverage will strengthen your auto insurance and protect your interests and finances.

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