Comprehensive coverage is that confusing coverage that usually covers everything else that collision coverage doesn’t.
Comprehensive coverage is also know as “other than collision” coverage for a reason, it covers all of those “other” covered losses that cause damage to your car that are not collisions. For it to be covered under your collision coverage you have to actually collide with something, comprehensive covers things that happen to your vehicle like:
- Hitting an animal
- Hail damage
- Civil disturbances
- Theft of the vehicle (not of the contents, this is covered under your home policy)
- Your car catching on fire
- Falling Objects
- Rocks falling from another vehicle while you are both driving
- Windshield damage
- Sandstorm damage
This list, of course, is just a small example of this different things that are covered under your comprehensive coverage on your car insurance policy. What comprehensive does not cover are things like normal wear and tear to your vehicle, maintenance issues or mechanical problems. If your car breaks down, your insurance company will not cover that.
Your insurance adjuster will usually tell you what your damages will fall under and hearing that your damages fall under comprehensive coverage is a good thing, as most car insurance companies don’t rate comprehensive claims as high as collision claims. In fact, some comprehensive claims aren’t even counted against you, at all.
As always, contact your car insurance agent if you have any questions about if a particular type of damage would fall under your collision or comprehensive coverage.
From our friends at Allstate.