What Is Comprehensive Auto Insurance?


Quick Answer

Comprehensive car insurance safeguards the insured and his vehicle against damages that have nothing to do with hitting another vehicle, such as vandalism, theft, falling objects and damage done by wildlife. A driver should check with his insurance provider to see what is and isn't included under comprehensive coverage.

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Full Answer

Comprehensive coverage also protects drivers from fire, natural disasters and civil disturbances. A driver who leases his vehicle should check to see if he is required to have comprehensive coverage while leasing the vehicle. A driver who has already paid off his vehicle should see how much the vehicle is currently worth in order to determine whether or not it's a good idea to have comprehensive insurance in case the vehicle sustains extensive and expensive damages. Older vehicles that aren’t worth much may be relatively easy and inexpensive to repair.

There are some things that comprehensive car insurance doesn't cover, such as items inside the vehicle being stolen, towing services, renting a car and roadside assistance. While comprehensive car insurance usually comes with higher premiums, it can be worth it for the peace of mind of knowing that a vehicle is protected in the event that a covered peril ever occurs.

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