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What is Comprehensive Coverage in Auto Insurance?

Posted on December 4, 2024 by Kirk Chester

Comprehensive coverage is an important part of auto insurance that protects against damage to your vehicle from incidents not involving a collision. If you own your vehicle outright, this coverage is optional. However, if your vehicle is financed or leased, your lender or leasing company will likely require it.

Also referred to as “other than collision coverage,” comprehensive insurance provides protection for various non-collision-related damages. These include:

  • Acts of nature (e.g., hail, floods, hurricanes)
  • Glass and windshield damage
  • Fire
  • Accidents involving animals (e.g., hitting a deer)
  • Weather-related damage
  • Falling objects

How Does the Deductible Work?

When you have comprehensive coverage, you are responsible for paying a deductible before your insurance kicks in. Deductibles typically range from $100 to $2,500. For example, if you have a $500 deductible and your vehicle sustains $10,000 in damage, you pay $500, and your insurance company covers the remaining $9,500.

Is Comprehensive Coverage Worth It?

To determine whether comprehensive coverage is a good investment, consider the age and value of your vehicle. If your car is older and has a low market value, the cost of comprehensive coverage might exceed the potential benefit. However, if your car is newer or holds significant value, this coverage can help protect your finances in the event of unexpected damage.

What Comprehensive Coverage Doesn’t Cover

Comprehensive insurance does not cover normal wear and tear or maintenance. Examples of exclusions include:

  • Brakes
  • Windshield wipers
  • Belts
  • Tires
  • Neglected maintenance (e.g., an engine failure due to lack of oil changes)

Why Choose Comprehensive Coverage?

This coverage can be a valuable addition to your auto insurance policy. It helps pay for costly repairs above your deductible, so you’re not left footing the entire bill on your own.

If you have questions about comprehensive coverage or need help tailoring an insurance policy to meet your needs, contact GRIT Insurance today to speak with one of our licensed agents.
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