“Car insurance” is a term that encompasses a variety of coverage options. When you buy car insurance, you have your choice of options. Some of these options include liability coverage, towing and labor, collision and comprehensive coverage. Comprehensive helps pay for damage to your vehicle not caused by collision or upset. Learn more about comprehensive coverage before deciding how you’d like to structure your policy.Comprehensive auto insurance covers these events:
Comprehensive insurance helps pay for vehicle repairs necessitated by events other than a collision with another vehicle. For example:
- Falling objects: If you park your car near a construction site and incur vehicle damage from associated debris, insurance would most likely pay for it. Similarly, if you parked under a tree and a limb dented your roof, you could rely on your comprehensive auto insurance coverage.
- Animals: Comprehensive coverage helps pay for damage caused by striking an animal with your car. Additionally, if a bird flies into your vehicle or an animal causes damage while the car is parked, this coverage may apply.
- Extreme weather: Hailstorms, high winds and flooding can cause serious damage to your vehicle. The materials and labor required to fix the resulting damage may be covered by comprehensive coverage.
- Theft, vandalism or riots: Comprehensive auto insurance coverage protects you from damage done by someone else. Whether someone breaks into your vehicle to steal your possessions or the car itself, you’ll be covered. Likewise, if a riot or some sort of group violence damages your car, this insurance can help.
If your car is damaged in a car accident, comprehensive coverage won’t pay for repairs, regardless of who caused the accident. Liability and collision insurance cover these types of incidents. Liability covers the injury costs and vehicle damages to the other party when you are at-fault in an accident. Collision coverage helps pay for damage to your car if you’re involved in an accident no matter who caused it.