What is Comprehensive Insurance?
Comprehensive car insurance covers damages from an "act of God," or events that are not caused by a car driving into something else. An "act of God" can include things like damage from a heavy tree branch falling on your car. Since you have no control over when or why a tree branch would fall on your car, this kind of accident would be covered under your comprehensive policy.
Types of Damages Covered Under Comprehensive Auto Insurance
Below are a couple examples of accidents and mishaps excluding fender-benders:
- Natural disasters: storms, tornadoes, hurricanes, earthquakes, hailstorms.
- Fire, civil commotions, explosions.
- Vandalism and theft.
- Damage from impacts with animals, such as a deer. Note: a crash from swerving to avoid animals will likely fall under collision.
- Broken or shattered windows and windshield.
- Falling objects.
- Acts of terrorism.
Policies typically use vague language when referring to acts of terrorism, but they are generally insured by the comprehensive portion of your policy. For example, if there is an act of terror and you need to make a claim on your car, that can only be made if you have comprehensive coverage. Since some circumstances are out of our control, comprehensive insurance is certainly important to have in your policy.
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