What Does Comprehensive Car Insurance Actually Cover?

When you sign up for comprehensive car insurance, you’re essentially getting a policy that goes above and beyond the basics. Unlike liability insurance, which only covers damage to other people or property, comprehensive insurance is designed to protect you against a wide range of unexpected events that might damage your car.

So what does comprehensive car insurance actually cover? Let’s dive into the nitty-gritty details.

Damages Caused by Natural Disasters

Whether it’s a hailstorm that leaves your car pockmarked with dents, a tornado that uproots a tree branch onto your windshield, or a wildfire that engulf your vehicle, comprehensive car insurance has got you covered. This policy will help you pay for repairs or even replace your car if it’s been damaged by forces of nature.

Theft, Vandalism, and Break-Ins

Comprehensive car insurance also covers damages caused by theft, vandalism, or break-ins. If someone breaks into your car and makes off with your valuables, or if a mischievous individual decides to spray-paint graffiti on your side panel, you can file a claim to get your car repaired or replaced.

Animal Collisions

Hitting a deer or other wildlife can be a traumatic experience, especially if it causes significant damage to your car. Comprehensive car insurance will help you cover the costs of repairs, so you can get back on the road without breaking the bank.

Fire Damage

If your car catches fire due to an engine malfunction, electrical issue, or other causes, comprehensive car insurance will help you cover the costs of repairs or replacement.

Glass Repair and Replacement

A cracked windshield or broken side window can be a real pain to deal with. Comprehensive car insurance often includes coverage for glass repair and replacement, which can save you a pretty penny in the long run.

Falling Objects

If a tree branch falls onto your car or a heavy object crashes onto your roof, comprehensive car insurance will cover the damages.

Riots and Civil Unrest

In the unlikely event of civil unrest or a riot, comprehensive car insurance will help you cover the costs of repairs or replacement if your car is damaged.

Other Covered Events

Some comprehensive car insurance policies may also cover other events, such as:

• Flood damage
• Earthquake damage
• Malicious mischief
• Damage caused by riots or civil unrest

What’s Excluded?

While comprehensive car insurance covers a wide range of events, it’s not a comprehensive policy in the classical sense. Some exclusions may apply, including:

• Damage caused by wear and tear
• Maintenance-related damages