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:
- 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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