What Does Comprehensive Coverage Protect Against?
Comprehensive car insurance coverage offers protection against a wide range of non-collision events. While basic auto insurance covers damages resulting from accidents, comprehensive coverage fills in the gaps for various unforeseen circumstances.
Key Protections Provided:
- Theft: If your vehicle is stolen, comprehensive insurance can help cover the loss, ensuring you aren't left financial liability.
- Natural Disasters: Damage caused by events like floods, hurricanes, earthquakes, or tornadoes is typically covered under this type of policy.
- Vandalism: Acts of vandalism, such as graffiti or broken windows, are often included, helping you repair or replace your vehicle.
- Animal Collisions: If you collide with an animal, such as a deer, comprehensive insurance can cover the resulting damage to your car.
- Falling Objects: Damage caused by falling branches or other objects, like hail, is also part of this coverage.
It's important to note that comprehensive coverage is optional in many states, but for those looking to safeguard their investment against a broader array of risks, it can be a valuable addition to standard auto insurance. When considering car insurance quotes, evaluate your needs to determine if comprehensive coverage is the right choice for you.