What is excluded in comprehensive coverage?

What does comprehensive insurance cover and what would be excluded? I don't think I can afford to add both comprehensive and collision coverage to my car.

Answer
Comprehensive insurance protects your vehicle from damage that occurs from a covered peril. This can include:
  • Hail damage
  • Windstorm damage
  • Flood damage
  • Vandalism
  • Theft
  • Collision with an animal
  • Cracked or broken glass
While covered perils may vary depending on the carrier, comprehensive will never cover damage caused by a collision with another vehicle or object or an uncovered peril. Collision insurance is designed specifically for that.
If you can’t afford both comprehensive and collision with your current carrier, you should shop around. You may be able to find more affordable coverage for both elsewhere. You can request car insurance quotes online to see what the cost of both would be.
Even if you can’t afford comprehensive and collision right now, it’s better to have comprehensive coverage on your vehicle than none at all.”
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Emily Maracle
Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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