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Comprehensive Auto Insurance

Comprehensive Auto InsuranceAnybody who drives in the U.S. must have some form of auto insurance. Many people choose liability, as it is the cheapest option; however, for just a few dollars more, people can add comprehensive insurance to their plan for additional protection. This article will answer such questions as: “What does comprehensive insurance cover?”, “What does comprehensive auto insurance cover?”, and “What is the difference between auto insurance comprehensive vs collision?”

What is comprehensive auto insurance coverage?

Comprehensive auto insurance covers the costs of any damage to a person’s vehicle through an incident that was not the result of a collision. Insurance providers usually offer it to drivers alongside collision coverage or in addition to liability coverage. Although, it is not a requirement for drivers to have comprehensive insurance, it offers additional protection to them and their vehicles.

What does comprehensive auto insurance cover?

Comprehensive insurance only covers the cost of fixing the car. It does not cover any property inside the car that was either damaged or stolen. It also does not cover damage caused by normal use of a vehicle. Some things that comprehensive insurance does cover include damage due to fire, riots, water and flooding, hail, vandalism, wind, animals and falling objects. It will also cover theft of the vehicle, itself. It is essential to note, that it does not cover theft or vandalism if such incidents were fully caused by members of one’s family or employees.

Auto insurance comprehensive vs collision: What is the difference?

When drivers purchase insurance, the insurance providers usually sell comprehensive insurance alongside collision or in addition to liability. Liability insurance is basic insurance that many people purchase to fulfill the requirement to be able to drive. In the case of an accident, if a person with liability insurance is at fault, only the other person’s vehicle will be covered.

Collision insurance, on the other hand, covers any vehicle damage caused to the policy holder’s vehicle due to any form of collision. It can be a collision with another vehicle, a road sign or a tree. Comprehensive insurance does not cover any damage caused due to a collision. Rather, it covers damage caused by virtually anything else.

In conclusion, all drivers in the U.S. must have some form of auto insurance. Although many people choose the cheapest option, which is liability insurance, comprehensive coverage offers much more protection to the driver and his or her vehicle.