What Is Comprehensive Insurance?
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. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you're financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it's an optional coverage on your car insurance policy. WHAT IS COVERED BY COMPREHENSIVE INSURANCE? 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) COMPREHENSIVE COVERAGE DEDUCTIBLES AND LIMITS When you purchase comprehensive coverage, you will select a set deductible, which is the amount you pay out of pocket toward a covered claim. Let