In general, comprehensive car insurance is a type of the full car coverage. It covers those cases that collision coverage doesn’t comprise. It means that it covers lots of cases, except collision (damage from an accident) itself.
So, with comprehensive car insurance you can be sure that the loss from the following cases will be compensated:
- Glass damage
- Damage from flying missiles (trees, boulders, etc.)
- Striking an animal
- Damage due to natural events or severe weather
Comprehensive car insurance definition is very simple – it covers everything except loss from the collision. After you pay the deductible, the insurance company has to repair the vehicle or pay off the total loss of the accident.
Some people, especially abroad, ask “What does comprehensive car insurance cover?” They get confused as comprehensive insurance abroad is known to be “third-party coverage” and cover the same cases as collision insurance.
Not every car owner needs car insurance comprehensive. If you hadn’t paid off the debt for your car, the comprehensive insurance is required. Some lenders make it obligatory to purchase comprehensive coverage. In other cases, this step is optional.
Bonus: Learn to save cash on car insurance.