What is comprehensive auto insurance?
The kind of coverage you get with a comprehensive auto policy will vary from company to company. And it will depend on how much you spend on your policy. But in general, a comprehensive auto policy will cover: • Fire • Vandalism • Theft • Disasters, includes storms and hurricanes • “Acts of God” — like a tree falling on your car It’s important to remember that comprehensive auto insurance does not cover damage from a car accident. For that, you’ll need a collision insurance policy. Comprehensive plans are sometimes called “Other Than Collision” coverage. If you want maximum protection, it’s important to have both kinds of policies. Comprehensive insurance policies have deductibles — the amount of money you have to pay out before your insurance company starts picking up the bill. The higher your deductible, the cheaper your monthly premiums. So you can save money on your monthly auto insurance bills by raising your deductible. But you could have to pay a lot out of your own pocket if yo
Comprehensive auto insurance is a type of policy that will provide you coverage regardless of the source of damage (excludingmoving accidents and theft). Unusual but common “alternative” car damage such as fire, vandalism, natural disasters, including storms and hurricanes, or “acts of god” are all types of damage that would by covered by a comprehensive auto insurance policy.
