What Does Comprehensive Mean On Auto Insurance?
1615 POINTSview profileRyan AndrewPresident, The Andrew Agency, Richmond, VAComprehensive coverage on car insurance covers sudden and accidental losses not related to a collision accident. For example, a tree falls on the car, fire, theft, vandalism or a rock kicks up and cracks your windshield. These are all losses covered by comprehensive. A lot of people will carry a lower deductible for comprehensive claims because these types of losses incur more often than collision accidents.Answered on April 29, 2013flag this answer
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersAnother name for comprehensive coverage is other then collision. If you hit someone or some object or someone hits you this is collision. If not in this category then the coverage is comprehensive. The exception is striking an animal. Since there is no way to control an animal jumping out in front of a moving vehicle this is classified as comprehensive. Most common comprehensive claims are glass breakage from a rock, vandalism, theft, falling objects such as a tree, flood, earthquake, fire. Consult your local agent for more specifics on comprehensive coverage.Answered on April 29, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Comprehensive is one of the two coverage groups that make up the physical damage element of your policy, Collision being the other. Comprehensiove coverage is the more broadly defined of the two. Typically it provides coverage for theft, vandalism, damage caused by hitting an animal, damage caused by falling objects, fire, water, etc.Answered on December 30, 2014flag this answer
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