Comprehensive Insurance
If damage occurs to your car for reasons other than a collision, comprehensive insurance will pay for the damage your car sustains. Some things that comprehensive insurance covers include flood, hail, theft, fire, explosions, vandalism, malicious mischief and damage from animals.
Comprehensive Insurance
Comprehensive insurance covers loss or damage to your vehicle by most causes except those covered by Collision insurance.
What it covers
For example, Comprehensive insurance covers vehicle damage or loss from:
- fire
- theft (except by an employee or member of your household
- vandalism
- falling of flying objects, including rock or gravel damage to your windshield
- malicious mischief
- lightning
- windstorm
- earthquake
- hail
- impact with animals
- missiles
- riot
- civil commotion
- rising water
- the stranding, sinking, burning, derailment, or collision of a conveyance transporting the vehicle on land or water.
It does not cover loss or damage to:
- contents of any vehicle other than some contents of a motor home
- tires, unless stolen or if the damage is a result of one of the losses listed above
- any part of the vehicle as a result of mechanical breakdown, rust, corrosion, wear and tear, freezing or explosion within the combustion chamber - unless the damage is caused by one of the losses listed above
Cost
Because Comprehensive insurance deals specifically with vehicle damage, the type of vehicle you drive will affect the premium you pay, along with where you live. And of course, your standing on the Claim-Rated Scale will determine whether you get a discount or pay a surcharge on the base premium for the coverage.
Deductible
Your deductible is the amount of money you have to pay before your insurance kicks in to pay for the rest of the repairs. If you have a history of comprehensive claims, you may only be able to buy comprehensive insurance at a higher deductible. The lower your deductible, the higher your premium. The higher your deductible, the lower your premium.
You have to decide how much you can afford to pay for repairs if you do have a claim, versus how much you want to pay for your premiums.
Windshield claim deductible
For windshield damage claims due to flying objects such as flying rocks or gravel, the minimum deductible (when the minimum Comprehensive deductible is purchased).
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