While shopping for a car insurance policy, you might have heard of comprehensive coverage. Some car owners think that obtaining this type of insurance means they won’t have to pay a penny out of pocket when an accident happens. But this kind of misinformation could lead to frustration when you get into an accident and expect your comprehensive insurance policy to cover the damages.
Contrary to its name, comprehensive car insurance doesn’t cover everything. It pays for specific non-collision issues, including theft, floods, fire, animal crashes, weather disturbances, and more.
Obtaining comprehensive auto insurance in Aurora is the best way you can plan for the unexpected and protect the value of your vehicle after an accident happens. Learn more about how the policy works below.
Coverage from Various Sources of Damage
Comprehensive car insurance provides coverage for things that damage to your car — beyond your control. These include:
- Damage from animals – The policy will cover your vehicle if it suffers extensive damage from an animal. If you swerve on the road to avoid an animal and hit a tree or another car instead, however, collision insurance will cover the damage.
- Uncontrollable events – Comprehensive car insurance also covers factors, such as glass damage, on windshields and windows. While these events can happen while you’re driving, there’s no way to predict when and where debris on the road could hit your vehicle.
- Natural disasters – The policy covers damage to your car caused by weather and natural disasters. These include fires, hails, storms, hurricanes, earthquakes, and other falling objects.
- Individual damage – Individuals may damage your car; a comprehensive policy addresses these damages, as well. This happens as a result of vandalism, theft, terrorism, and other civil disturbances.
What Isn’t Included in the Policy?
Since comprehensive insurance doesn’t cover collisions with other vehicles, it won’t cover you if you get into a, for example, fender bender. For better protection against unforeseen events, insurers recommend getting collision and comprehensive coverage to include both losses.
On a similar vein, the insurance policy does not include medical or legal expenses related to a collision or other events involving your car. This extends to you and your passengers, as well as the driver and passengers of the other vehicle involved in the incident.
Optional Coverage for Enhanced Vehicle Protection
Comprehensive coverage is not part of the state minimum requirement for car insurance. In cases where you have a lease or loan on your vehicle, however, your lender may require you to purchase full insurance coverage for your car, requiring you to take out a comprehensive coverage.
When your car is new and still has value, it makes sense to buy broad insurance coverage for enhanced vehicle protection. But since comprehensive coverage covers different risks, it can also benefit those who own older cars, too. After all, the cost of damage can affect your finances, regardless of whether your vehicle is new or old.
Comprehensive insurance is a smart move for most drivers. Ultimately, obtaining the policy depends on the state of your car and your ability to pay off accidental damage.
Oxford Auto Insurance ensures that you stay financially protected even when you’re on the road.
Contact us today for help in finding an insurance policy that fits your needs.