What Does Comprehensive Coverage Include?
Comprehensive coverage is a type of auto insurance that provides extensive protection for your vehicle, covering a wide range of potential damages that are not related to collisions. Below are the primary components included in comprehensive coverage:
- Theft: If your vehicle is stolen, comprehensive coverage can help pay for the loss, subject to your deductible.
- Vandalism: This coverage protects against damages caused by vandalism, covering repairs to your vehicle.
- Natural Disasters: Comprehensive insurance covers damages resulting from natural disasters such as floods, hurricanes, earthquakes, or tornadoes.
- Fire Damage: If your vehicle sustains damage from fire, this policy will help cover the costs of repairs or replacement.
- Animal Collisions: If your car collides with an animal, such as a deer, comprehensive coverage typically covers these damages.
- Glass Breakage: Comprehensive insurance often covers the cost of repairing or replacing broken windows or windshields.
- Falling Objects: Damage from falling objects, like tree branches or hail, is also encompassed within this coverage.
Although comprehensive coverage offers extensive protection, it's essential to consider your vehicle's value and your personal situation when deciding if this coverage is necessary. Always consult with your insurance provider for details specific to your policy.