Comprehensive Coverage: What It Does and Does Not Cover

Comprehensive coverage is an essential part of a full-coverage car insurance policy, but it does not cover everything. It does not provide protection for damage caused by the impact of another vehicle or object, which is covered by collision coverage. It also does not cover normal wear and tear of your vehicle. Comprehensive coverage can be included in a full-coverage car insurance policy to protect you and your car in the event of an accident or misfortune.

It helps pay for the cost of damage to your car when you're involved in an incident that isn't caused by a car or road collision. This includes theft, broken wipers due to hail, and damage caused by floods. We suggest getting quotes from several of the best auto insurance companies for comprehensive coverage. While there is no law that requires comprehensive car insurance, if you have a car loan or lease, your lender or leasing company will likely require you to have collision and comprehensive insurance.

If you live in a rural area where collisions with animals are common or in a stormy area where there is usually hail, you may want to consider taking out comprehensive insurance. Comprehensive coverage pays for damage to your vehicle if you hit an animal, minus the amount of your deductible. Comprehensive insurance is often taken out in conjunction with collision insurance so that the policyholder is protected against both accident-related and non-accident related damages. Where you live, your driving history, and the amounts of your coverage can affect how much you pay for car insurance, including comprehensive coverage.

Most insurance companies sell comprehensive and collision insurance together and don't allow you to buy just one. When buying comprehensive coverage or any other type of car insurance, be sure to compare the best car insurance companies to find the most affordable rates. Having comprehensive coverage is a great way to know that you're covered no matter what unexpected events come your way.

Carl Somilleda
Carl Somilleda

General beer ninja. Hardcore social media guru. Devoted beer guru. Hardcore beer geek. Hipster-friendly web aficionado.