What Does Comprehensive Insurance Cover?

Ever had a vehicle that sustained damage from a hailstorm, a falling tree branch, or a rock kicked up by a car in front of you? It’s a frustrating experience because it’s completely beyond your control, particularly if the damage comes with a hefty repair cost. You never know what might happen, and that’s where comprehensive insurance comes in.

When asking “what does comprehensive auto insurance cover,” it’s helpful to know what it doesn’t cover. Comprehensive insurance protects your vehicle from the unexpected, defined as any damage not sustained in a vehicle collision. It does not include coverage for collision-related damage. Covered events might include:

  • Storm damage (i.e., lightning, flooding, high winds, etc.)
  • Theft
  • Vandalism
  • Fire
  • Falling trees and limbs
  • Objects that fall off other vehicles

 

 

What Is Comprehensive Coverage and Do You Need it?

Comprehensive insurance coverage isn’t mandated by law, but it’s often required by lenders. It’s a good idea if you have an especially valuable vehicle that’s expensive to repair. Investing in a comprehensive policy depends on multiple factors. Contact us at Casey's Frontier Chevrolet Of Livingston in Livingston if you have questions about insuring a new or used vehicle. 

Obviously, if your financial situation isn’t good a comprehensive auto policy may simply be beyond your means. If you drive a low-value vehicle in Cookeville, for example, such coverage probably won’t be worthwhile, and may even be a waste of money. Nevertheless, some drivers opt for comprehensive auto insurance for the peace of mind that comes with knowing you’re protected against the unexpected. 

Comprehensive or Full Coverage?

Full coverage and comprehensive coverage are not interchangeable terms. Full coverage may refer to collision and any additional coverage required by law in your state. So what does comprehensive insurance cover? It’s similar to collision in that both protect your vehicle, though comprehensive insurance covers non-collision accidents that might occur as you drive around Sparta.

Your Deductible 

Your deductible is an important factor in determining whether to get a comprehensive policy because it represents an out-of-pocket expense. Put simply, a comprehensive deductible means the amount the insured driver pays once a claim has been approved. Any remaining repair expenses are covered by your insurer once the deductible has been paid. 

In general, a driver will pay a comprehensive deductible up front, or a pre-established amount is taken from the claim check the insurance company sends, usually up to $1,500. Some people choose to increase their deductible to reduce the number of their insurance premiums, even though it means higher out-of-pocket expenses if they have an accident. 

Choosing Comprehensive Auto Insurance

Choosing whether to purchase comprehensive auto insurance is a subjective, personal decision. If you’re in the market for a vehicle, contact one of the sales staff at Casey's Frontier Chevrolet Of Livingston about auto insurance. If you intend to ask what comprehensive insurance covers, it’s probably best to discuss it within the context of your circumstances and the kind of vehicle you plan to purchase. Our finance experts can answer questions about how much coverage you’ll need based on the vehicle you purchase. Use our trade-in tool to determine the value of your trade-in, and give us a call today!

 

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