What Is Comprehensive Coverage for Auto Insurance?

Fran Majidi July 26, 2019

Many people wrongly assume that having comprehensive insurance means you are covered for “everything” after you have an accident. Comprehensive insurance covers you if your vehicle is stolen or vandalized or if it is damaged as a result of anything other than a collision.

Comprehensive insurance is almost always subject to a deductible.You choose your deductible, which may be offered as low as $250 and as high as $1,000 (or more). You always need to pay the deductible amount before insurance coverage can begin to pay for losses. You can always change your deductible amount. The higher your deductible, the lower your monthly premium. Comprehensive coverage is not required by law but if you’re leasing or financing a car, chances are that you will have to buy it as well as collision coverage.

Other perils that are covered by comprehensive insurance include storms and other natural disasters, broken windows and windshield and damage caused by animals and falling objects.

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