COMPREHENSIVE CAR INSURANCE All Things you need to know


COMPREHENSIVE CAR INSURANCE All Things you need to know

Comprehensive car insurance is a type of car insurance that covers damages to your car from causes other than a collision. Comprehensive car insurance will cover your vehicle if destroyed by a tornado (or other natural disasters), dented by a run-in with a deer, spray-painted by a vandal, damaged by a break-in, or crushed by a collapsing garage and so on.

In simpler terms, comprehensive car insurance pays for damages to your vehicle caused by things that doesn’t involve a collision. A collision car insurance covers for damages caused by collision.

Below is a detailed list of some of the things being covered by comprehensive car insurance:

  • RIOT: the possibility of a riot or civil unrest is very likely. Primarily if you reside in a location that could be termed as unsafe or unstable, riots could break out, and your car might be attacked. Having to pay for this stings, especially since it is usually very unexpected, but with comprehensive car insurance, you don’t have to worry about that happening.
  • THEFT: the risk of your car getting stolen is another factor with owning a car. Even the vehicles with the best security and anti-theft protection could still get stolen, and that would be devastating. Comprehensive car insurance, however, will replace your car or its items in the events of a theft.
  • FIRE: fires take place anywhere; even in the most unexpected of places. Your car is one of them. With comprehensive car insurance, you don’t have to fork over hard-earned cash to replace or do repairs to damages caused by fire. It does not even matter if the fire started inside your car or outside it.
  • FALLING OBJECTS: you can’t control where objects fall. A falling tree will crash where it wants to, and that might just be right on top of your car. Comprehensive insurance covers you in the event of this happening.
  • DAMAGE TO WIND SHEILD AND GLASS: the windshield and the glass are perhaps some of the most delicate parts of the car. Anything could cause a crack or total breakage. No one likes driving around with a damaged windshield. Comprehensive car insurance pays for the repair of your windshield and glass.
  • NATURAL DISASTER: natural disasters cannot be controlled; they just happen, and most times, there is nothing you can do to protect your car physically. With comprehensive car insurance, you’re covered from the damages or loss that natural disasters bring.
  • OTHERS: Damages from animals, damages to headlamps and bumpers and vandalism are some of the other things covered by comprehensive car insurance.
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While shopping for car insurance, you’re bound to come across confusing terms in both the regular and fine print. One term that is often misunderstood is comprehensive car insurance. Many people think that comprehensive car insurance is an all-encompassing type of coverage that includes liability, collision, and more. But this is not true and I hope this article will help clear up that confusion.

Not to be mistaken for “collision car insurance” which is a coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. If you’re leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.

Collision coverage has a limit, which is the maximum amount your policy will pay toward a covered claim. Your collision coverage limit is typically the actual cash value of your vehicle (its value minus depreciation). For example, say your car is totalled in a covered collision. Your insurer would cut you a check for the car’s depreciated value, minus your deductible. Keep in mind that “depreciated value” means you may not be able to replace your old vehicle with one of a newer make and model. You’d likely have to use some of your own money to do that.


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