Comprehensive coverage helps cover the cost of damages to your vehicle when you’re involved in an accident that’s not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. Comprehensive coverage is an optional coverage you can carry to help protect your vehicle.

What is not covered under comprehensive coverage?

Physical Damage Coverage Comprehensive covers damage to your car caused by something other than a collision. For example, comprehensive can cover damage from fire, theft, vandalism, windstorm, flood, falling objects, etc. It does not cover mechanical breakdown, normal wear and tear, or maintenance.

Can you have comprehensive coverage without collision?

In many cases, you can’t buy comprehensive insurance without collision coverage, or vice versa. This can be because your auto lender requires both, or your insurer requires one to purchase the other.

What does comprehensive physical insurance cover?

Comprehensive physical damage coverage covers a loss from risks other than a collision including but not limited to hitting a deer, fall objects, water damage, fire, lightning, wind, vandalism and can also include glass coverage.

What is considered comprehensive damage?

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, sometimes called “other than collision” coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail).

Does comprehensive claim increase insurance rates?

A comprehensive claim will generally increase your auto insurance costs. However, you can save money by becoming a safer driver or choosing an insurance company that doesn’t increase premiums for drivers with previous comprehensive claims.