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What is Comprehensive Insurance, and what does it cover?

An auto insurance policy that covers damage to your vehicle resulting from events other than collisions is known as comprehensive insurance. If your car is totaled by a tornado, dented by a deer, spray-painted by a vandal, damaged by a break-in, or crushed by a collapsing garage, among other incidents, comprehensive insurance will pay for it.


  • Full coverage guards against significant events outside of your control, theft, and weather-related incidents.

  • "Unforeseen events" like break-ins or hail-related windshield wiper failure are frequently covered by comprehensive coverage.

  • If you reside in a high-crime area and own a new automobile, comprehensive insurance will pay for any damages resulting from theft or break-ins.


  • Collision-related damage is not covered by comprehensive insurance.

  • It might not be required for an older vehicle with a high mileage.

  • Anything that is stolen from your car and is personal is not covered by comprehensive insurance.

  • Pothole damage is not covered by it.

How Does Comprehensive Insurance Work?

In the event that your car is destroyed, comprehensive coverage, like other types of auto insurance, pays a portion of the loss.

The deductible, or portion of the cost that the car owner must pay, is another expense.

You can purchase a new car with the insurance money or utilize it for repairs.

The Final Word

You may believe that your risk of non-collision damage is low if you have paid for your car in full, you can't afford comprehensive insurance, or you drive an older, low-value vehicle. You may decide not to get comprehensive insurance in this situation. You may also choose not to get comprehensive insurance if you would rather self-insure.

However, keep in mind that in this case, skipping comprehensive coverage could result in a hefty repair charge in the event that your vehicle is damaged. Therefore, in order to keep comprehensive coverage, compare the possible expenses of repairs to the possible amounts you would have to pay in premiums or deductibles.


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