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.
“Comprehensive insurance protects your vehicle from damage that occurs from a covered peril. This can include:
- Hail damage
- Windstorm damage
- Flood damage
- 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.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Does liability insurance have a deductible?
Does liability insurance have a deductible like other types of insurance? I know that full coverage and uninsured property damage has deductibles.
Jul 08, 2021
What is the recommended deductible to have for full coverage?
Is there a specific deductible amount that's recommended for full coverage?
Jul 08, 2021