What is Comprehensive Coverage?Comprehensive coverage is necessary to cover damages to your vehicle other than collision. The insurance company will pay for damages to your vehicle minus any comprehensive insurance deductible that are specified in your auto insurance policy.Comprehensive insurance coverage covers for damages that are not due to a traffic accident. This can include things like fire, damage, theft, vandalism, hit and run and natural disasters like tornadoes, hail damage or a big FAT deer in the road! A comprehensive insurance deductible typically $500 still applies in this scenario just like the collision coverage. | |||
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Let's say you stayed at your friends house in the shady part of town. Next morning, your car is totally trashed and car stereo just walked away! Not a good way to start your day. If the total damage to your car is around $5000 and your deductible is $1000, your insurance company will pay you the following for comprehensive insurance damages: $5000 - $1000 = $4000 If you have an older car say more than 10 years, it is recommended that you do not carry a Comprehensive and Collision insurance coverage. | |||
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Related Links for Comprehensive Insurance CoverageComprehensive Insurance definedAbout.com - Comprehensive insurance coverage Difference between comprehensive and collision insurance Comp and collision insurance definitions | |||