Comprehensive Coverage for Auto Insurance


Comprehensive coverage on your auto insurance may also be referred to on your auto policy as "other than collision". Comprehensive covers damages from:

  • Fire
  • Theft
  • Vandalism
  • Objects falling or flying through the air 
  • Hitting or getting hit by an animal
  • Natural disasters

Comprehensive coverage in general covers incidents that are not necessarily your fault. For this reason, comprehensive claims don't usually impact your rate the way a collision claim would. Also comprehensive coverage is much less to have on your auto policy compared to collision coverage, so when talking with your agent ask for a lower comprehensive deductible compared to your collision deductible. Even if you drop collision on an older vehicle it may be a good idea to keep comprehensive coverage on the vehicle, especially if it's not garaged. 

by Charles J. Greve at CJG Insurance Group



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