Define: Comprehensive Insurance Coverage

Comprehensive insurance coverage is a type of auto insurance that provides protection against damage to your vehicle caused by events other than a collision. This can include theft, vandalism, fire, natural disasters, and falling objects.

Comprehensive insurance coverage is not mandatory by law. However, if you have a car loan or lease, your lender or leasing company may require you to have comprehensive coverage until the loan or lease is paid off.

No, comprehensive insurance coverage does not cover damage caused by accidents. It only covers damage caused by non-collision events. For accidents, you would need collision coverage.

Some comprehensive insurance policies include coverage for a rental car while your vehicle is being repaired. However, this may vary depending on your specific policy, so it’s important to review your policy or contact your insurance provider to confirm.

Yes, most comprehensive insurance policies have a deductible. This is the amount you are responsible for paying out of pocket before your insurance coverage kicks in. The deductible amount can vary depending on your policy and can range from $100 to $1,000 or more.

No, comprehensive insurance coverage typically does not cover personal belongings stolen from your vehicle. However, your homeowner’s or renter’s insurance policy may provide coverage for stolen personal belongings, so it’s worth checking with your insurance provider.

Yes, if your vehicle is damaged by a hit-and-run driver, comprehensive insurance coverage can provide coverage for the repairs. However, you may need to pay your deductible before the coverage applies.

Yes, comprehensive insurance coverage usually covers windshield damage. However, some policies may have specific requirements, such as using an approved repair shop or requiring a separate glass coverage endorsement. It’s important to review your policy or contact your insurance provider for specific details.

Yes, you can add comprehensive insurance coverage to an older vehicle. However, it’s important to consider the value of your vehicle and the cost of the coverage. If the cost of the coverage exceeds the value of your vehicle, it may not be cost-effective to have comprehensive coverage.

Yes, comprehensive insurance coverage typically covers damage caused by a flood. This can include water damage to your vehicle’s engine, interior, or electrical systems. However, it’s important to review your policy or contact your insurance provider to confirm the specific coverage for flood damage.