What Does Comprehensive Insurance Cover?

car insurance paperwork with car key
 

What does comprehensive auto insurance cover? If you’re getting ready to purchase your next new car, it’s something you’ll want to know. Comprehensive auto coverage protects against damage to your car that has not resulted from a collision. If your vehicle is lost, stolen, vandalized, or hit by a falling object, drivers who make a comprehensive claim can have their insurance company pick up the tab.

In most cases, comprehensive auto insurance will also cover a cracked or broken windshield, along with other forms of glass damage. Learn more about what comprehensive auto insurance covers below, and contact Honda Universe near Freehold if you have any questions.

 

 

What is Comprehensive Coverage?

Let’s take a closer look at what comprehensive auto insurance covers. While insurance details may vary by provider, here’s what you can generally expect:

  • Vehicle theft
  • Windshield/glass damage
  • Vandalism, fire, explosions
  • Falling objects like trees
  • Storms, wind, hail, floods, lightning, earthquakes
  • Hitting a deer/other animal-related accidents

Keep in mind that if you swerve to avoid hitting a deer on the road and end up hitting a car or a tree, then this would be covered by collision insurance instead.

How Does Comprehensive Insurance Coverage Work?

Now that you know what comprehensive insurance covers, let’s discuss how it works:

  1. Your car acquires covered damage: Let’s say an earthquake causes $5,000 worth of damage to your vehicle
  2. You file an insurance claim: You’ll need to file a claim to get coverage. This will depend on your provider, but typically you can file online, by phone, or via a mobile app.
  3. Take your vehicle in for repairs: If you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket for the damage, and your insurance will cover the remaining $4,000 worth of damage.

Comprehensive vs. Collision Insurance

What is the difference between comprehensive coverage and collision coverage? Many drivers in Toms River and beyond mix up the two. While both types of insurance cover your vehicle, they cover different events.

  • Collision insurance specifically covers car accidents
  • Comprehensive insurance covers events that are outside of your control

Essentially, if the incident doesn’t have to do with an actual car accident, the damage will likely be covered by comprehensive car insurance. As noted, the one gray area is an animal collision. Depending on whether a collision is involved in the incident, this may fall under either collision or comprehensive insurance coverage.

Rely on Honda Universe for Your Finance Needs

If you have more to learn about comprehensive insurance coverage, contact the finance department at Honda Universe near Jackson, or continue your research by comparing the benefits of leasing vs. financing! If you don’t have much time to research, our team is happy to walk you through the entire purchasing process and show you some of our car-buying tips.

 

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