Why comprehensive car insurance

However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Comprehensive insurance is like bad luck coverage for your car.

It pays for damage to your vehicle from just about anything except a traffic collision or rollover. That includes an array of random events outside of your control, from a chipped windshield or hail dent to explosions or damage from riots. While comprehensive coverage is optional as far as your insurer and state government are concerned, lenders typically require it if you finance or lease a car.

Easily compare personalized rates to see how much switching car insurance could save you. Comprehensive insurance covers damage to your vehicle from:. Hail, floods or lightning from thunderstorms, hurricanes or tornadoes. Falling objects, such as tree limbs.

Vandalism or civil disobedience, such as a riot. In many states, comprehensive auto insurance also pays to repair glass damage to your windshield.

Damage or injuries you cause to others. Liability insurance , which is required in every state except Virginia and New Hampshire, covers those events.

Your injuries. Comprehensive insurance pays only for damage to your vehicle. Your injuries may be covered by the other driver's insurance if they're at fault or by your health insurance if you're at fault. Damage to your car from a collision. If the accident was your fault, this would be covered by collision insurance , as long as you have it on your policy. For accidents in which the other driver is at fault, their insurance would typically pay for damage to your vehicle.

Comprehensive insurance will pay out only up to the total value of your car, minus your deductible. Once the repair cost exceeds the value, or even gets close to it in some cases, the insurer declares a car totaled.

But your comprehensive insurance provider may be able to cover the cost of car rental to keep you moving in the interim. Comprehensive insurance can also cover the cost of emergency transport and accommodation, if required.

Again, the decision here comes down to how you could manage day-to-day life if you had to go without a car. If you live somewhere without reliable public transport, for instance, that car hire could be a lifesaver. If you bought a brand new car within the past couple of years, some insurers offer new-for-old replacement if your car is a write-off.

Some insurers will even take care of the registration and CTP on your new car if you meet certain criteria. This can make comprehensive cover a smart option for those who have bought a new car recently.

It also insures your car against a range of other situations, including theft, fire, flood and storm damage think: hailstones through the windshield.

But it can help with a lot of smaller things too. Your insurer may provide a guarantee on authorised repairs, for example, and may cover you for some or all of these, up to certain limits:. Doctors - Professional Indemnity Insurance. Employee's Compensation Insurance Policy. Renew Reliance Health Infinity Insurance. Renew Health Insurance.

Home Knowledge Center Insurance Reads. Comprehensive Car Insurance Explained. A comprehensive car insurance is an extensive motor insurance plan that covers the insured person against both, own damages and any third party liabilities. A comprehensive car insurance policy is the most superior kind of protection you can provide your car with. It is the highest level of protection you can give your car If you are found to be at fault in event of an accident, with comprehensive car insurance, you can claim for losses incurred in such situations It covers lawsuits, including legal fees brought against you as a result of an accident Peace of mind and financial protection Offers financial aid in case your car is written off Unlike third-party insurance , it covers from damages caused to your own car during an accident.

Damage caused by Natural disasters or severe weather Fire T heft Vandalism Damage to third party Damage to your vehicle caused by falling objects such as trees Damage or destruction of your vehicle caused by an act of civil disturbance such as riots.