Written by JULIA KAGAN, last revised on June 28, 2021, and reviewed by MARGUERITA CHENG. What Is Comprehensive Insurance?
A type of auto insurance called comprehensive insurance covers damage to your vehicle that doesn’t result from a collision.
If your car is damaged by a tornado, dented by a run-in with a deer, spray-painted by a vandal, broken into, or crushed by a falling garage, among other things, comprehensive insurance will pay for it.
The most important points to remember are that comprehensive insurance covers damage to your vehicle that does not result from a collision.
You may be required to purchase comprehensive and collision insurance if you finance the purchase of a vehicle.
If you drive an older vehicle that has already lost a significant amount of value, purchasing comprehensive coverage may not be financially advantageous.
Car damage caused by animals, falling trees, natural disasters, theft, and vandalism are covered by comprehensive insurance. Damage to other vehicles or individuals is not covered.
For comprehensive insurance, raising your deductibles could help lower your premiums.
