Comprehensive Coverage

Comprehensive coverage, also known as “comp” coverage, is an important aspect of auto insurance. It provides protection against damages to your vehicle that are unrelated to accidents involving other cars. This type of coverage is designed to safeguard your vehicle from a variety of perils, such as theft, vandalism, fire, or natural disasters like storms, hail, or floods. If your car is stolen or damaged due to one of these non-collision incidents, comprehensive coverage will typically pay for the cost of repairs or the actual cash value of your vehicle if it is deemed a total loss. It’s worth noting that comprehensive coverage does have a deductible, which is the amount you must pay out of pocket before your insurance company starts covering the costs. The specific deductible amount can vary depending on the terms of your policy. Comprehensive coverage is usually optional, but it may be required if you are financing or leasing your vehicle. Keep in mind that comprehensive coverage does not protect you against injuries sustained in accidents or damages caused to other vehicles or property. For those types of situations, you would need different types of coverage, like liability insurance. By understanding what comprehensive coverage entails, you can make informed decisions when choosing the right auto insurance policy to protect your vehicle from unexpected incidents outside of your control.