What do comprehensive insurance cover

Edit location. Select a product to get a quote. Register new account Pay your bill. Get your ID cards. Updated: October Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Video Transcript [Voiceover] What is comprehensive coverage? Quality Auto Coverage Starts Here.

Get a quote Find an agent. Comprehensive helps cover damage to your car that's not the result of a collision, such as: Theft Vandalism Fire Natural disasters like a hurricane or a tornado Falling objects Damage done to your car by animals A civil disturbance like a riot that results in damage or destruction of your car.

Required if leasing or financing vehicle. Otherwise optional. What's Not Covered Damage to another person's vehicle Medical bills yours, your passengers', other drivers', other passengers' Damage to another person's vehicle Medical bills yours, your passengers', other drivers', other passengers'. If you're wondering whether you should buy comprehensive coverage, here are a few considerations: Comprehensive coverage may be required by your car's lender.

If you're leasing or financing your vehicle, your lender may require you to have comprehensive and collision coverage until the vehicle is paid off. How old is your car and what is it worth? If you have paid off your car, comprehensive coverage is optional. It may be a good idea to find out the Kelley Blue Book value of your vehicle.

Would you be able to pay that amount to repair or replace your vehicle if it were stolen or damaged in an accident? If you can't afford to pay much out of pocket, then buying optional coverages, like comprehensive coverage and collision coverage, may be a smart investment. How much are the annual premiums for comprehensive and collision coverage? The Insurance Information Institute suggests that you take the amount you'd pay in one year for comprehensive and collision coverage, and multiply that number by Is your car worth less than that number?

Then comprehensive and collision coverage might not be a cost-effective option for you. In other words, you might want to talk to your agent about whether it makes sense to include these coverages on your car insurance policy. You answered out of correct! It may not be necessary to have for an older car with high mileage. Comprehensive insurance doesn't cover anything personal stolen from your car. It doesn't cover damage due to pot holes. Article Sources.

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Related Terms Actual Total Loss Definition Actual total loss is a loss that occurs when an insured property is totally destroyed, lost or damaged to such an extent that it cannot be recovered. Liability Car Insurance Liability car insurance provides financial protection for drivers who harm someone else or their property while operating a vehicle. Introduction to Auto Insurance Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident.

Discover more about it here. Collision Insurance Collision insurance is auto coverage that reimburses the insured for damage sustained to their personal automobile, due to the fault of the insured driver. Uninsured Motorist Coverage UM Uninsured motorist UM coverage may pay a policyholder's damages when an accident involves a driver who does not have insurance or is a hit-and-run.

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I Accept Show Purposes. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Comprehensive insurance is like bad luck coverage for your car. It pays for damage to your vehicle from just about anything except a traffic collision or rollover.

That includes an array of random events outside of your control, from a chipped windshield or hail dent to explosions or damage from riots.

While comprehensive coverage is optional as far as your insurer and state government are concerned, lenders typically require it if you finance or lease a car. Easily compare personalized rates to see how much switching car insurance could save you. Comprehensive insurance covers damage to your vehicle from:. Hail, floods or lightning from thunderstorms, hurricanes or tornadoes. Falling objects, such as tree limbs.

Vandalism or civil disobedience, such as a riot. In many states, comprehensive auto insurance also pays to repair glass damage to your windshield. Damage or injuries you cause to others. Liability insurance , which is required in every state except Virginia and New Hampshire, covers those events.

Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy.

Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. We are not responsible for the content of any third-party sites linked from this page.

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