Comprehensive Car Insurance

What Is Comprehensive Insurance?

It is a type of car insurance that covers damage to your vehicle for reasons other than a collision. Comprehensive insurance would cover your vehicle if it was destroyed by a tornado, dented by a run-in deer, spray painted by a vandal, stolen or damaged by a landslide crushed by a garage, among other causes.

How Comprehensive Insurance Works?

Here’s an example of how comprehensive insurance works if a driver files a claim. If a person drives a Honda accord worth $ 10,000 with a $ 1,000 comprehensive deductible and the car is completely destroyed by a tornado, the driver will receive $ 9,000 from the insurance company. If they’re not covered with comprehensive coverage and the car is destroyed by a tornado, many collision and liability policies don’t cover damage, and the driver will be responsible for the complete loss of $ 10,000. A driver might have to get a loan to buy a replacement vehicle or settle for something less expensive if you have $ 10,000 to spend on a replacement equivalent.