Close up of two ladies and a man smiling at each other

Demystifying Insurance: What is Comprehensive Insurance?

Comprehensive coverage is an option that protects your car from damage not related to a collision with another vehicle. If you are currently making payments on your car, your lender or lease holder likely requires you to carry it.

Types of Damages Covered Under Comprehensive Auto Insurance

• Natural disasters and storms
• Fire
• Vandalism, theft
• Damage caused by hitting an animal (Crashing as a result of swerving to avoid the animal may be covered by collision rather than comprehensive)
• Falling objects, such as tree branches

You never know when an incident like the ones listed above may occur, particularly because you don’t have control over them. Because of this, it is important to consider including comprehensive coverage on your policy.

Do You Need Both Collision and Comprehensive Insurance?

Having both collision and comprehensive coverages on your policy may help to protect you from being responsible from potentially costly car damage beyond your deductible. Even if you have the required liability, it will not be helpful in many situations because it doesn't pay for your car's repairs. You should consider having both collision and comprehensive if any of the following is true:

•    You lease or finance your car
•    Your car is worth more than $3,000
•    Your car is less than 10 years of age