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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