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What Is Comprehensive Auto Insurance Coverage and Why You May Need It

Posted on October 2, 2024 by Syrena Z

Comprehensive coverage is an optional addition to your auto insurance policy—unless your vehicle is financed or leased, in which case your lender or leasing company will likely require it. Often referred to as "other than collision coverage," comprehensive insurance covers damage to your vehicle from incidents unrelated to a collision.

This type of coverage protects against a wide range of events, including:

  • Acts of nature (such as floods, hail, or earthquakes)
  • Glass and windshield damage
  • Fire
  • Accidents involving animals
  • Weather-related damage
  • Falling objects

With comprehensive coverage, you are responsible for a deductible before your insurance kicks in. Deductibles typically range from $100 to $2,500, depending on your policy. For instance, if you have a $500 deductible and your vehicle sustains $10,000 worth of damage, you would pay the first $500, and your insurance carrier would cover the remaining $9,500.

Is Comprehensive Coverage Right for You?

When deciding whether comprehensive coverage is a worthwhile investment, consider the age and market value of your vehicle. If your car is older or its value is low, the cost of comprehensive insurance may not be justifiable. In such cases, the premium payments could end up being higher than the potential payout in the event of damage or a total loss.

It’s important to carefully assess your vehicle's value and your ability to cover repair or replacement costs before deciding whether comprehensive coverage makes sense for you.

What Comprehensive Coverage Doesn’t Cover

Comprehensive coverage is not the same as maintenance coverage. It will not cover normal wear and tear or mechanical breakdowns that occur over time. This includes parts that need regular replacement, such as:

  • Brakes
  • Windshield wipers
  • Belts
  • Tires

For example, if you neglect oil changes and your engine blows up, this would be considered a maintenance issue and wouldn’t be covered by comprehensive insurance.

However, comprehensive insurance can be very beneficial for unexpected damage. It helps pay for repairs above your deductible, so you’re not left covering the entire cost out of pocket.

Have Questions About Comprehensive Coverage?

If you have any questions or need more information about comprehensive auto coverage, contact our office to speak with one of our experienced agents. We’re here to help you find the right protection for your vehicle
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