Comprehensive Car Insurance Coverage

You may wonder what comprehensive car insurance coverage is. Well, concerning car insurance, comprehensive coverage in the United States is one of the main kinds of auto insurance. What does comprehensive auto insurance cover? Did you know cheap auto insurance from Freeway Insurance is a great option? Let’s check:

Comprehensive Car Insurance Coverage vs. Liability Insurance

Comprehensive insurance for cars works differently than liability auto insurance. Liability coverage is the minimum level of coverage, and the law requires it in almost every state. You must get liability-only car insurance if you need a very cheap car insurance policy. On the other hand, Comprehensive auto insurance coverage does not limit its action to damages to third parties. Still, it covers you and your vehicle in case of vandalism, theft, fire, etc.

What Is Liability Car Insurance?

Liability car insurance covers damages you have caused to other drivers or their properties during an accident. Your insurance company will pay out claims for people’s injuries or their properties. 

What Is Comprehensive Car Insurance Coverage?

Does comprehensive insurance cover all possible situations? Comprehensive auto insurance covers a wide range of risks. If you make a comprehensive insurance comparison between different companies, you will see that their coverages could differ according to the policy you have bought. In general, comprehensive insurance could protect you from all the following circumstances:

Fire: 

When your vehicle is damaged in a fire or catches fire, comprehensive car insurance coverage could help you repair your car or its replacement if necessary. 

Theft or attempted theft:

If your vehicle is stolen, comprehensive coverage will cover the loss. If the event ends only in an attempted robbery, comprehensive auto insurance will protect you from damages during the attempt. It could help you to recover your stolen car, and also give you lower car insurance premiums. Regardless of all this, you should always install an anti-theft device.

Vandalism:

When vandalism damages your vehicle, your comprehensive auto coverage will pay for vehicle repair charges.

Animal Collision:

Animal collision is a risk frequently left out of liability car insurance coverage. Every driver should worry about this issue, mainly those living in farming or rural areas. Comprehensive insurance would cover the costs that might arise after this accident. 

Weather:

Adverse weather conditions might lead to damage to your vehicle. This is a risk almost all comprehensive auto insurance coverage includes. 

Force Majeure (“Acts of God”):

Several major car insurance companies offer comprehensive car insurance plans that cover situations beyond human control. Suppose your vehicle ends up damaged during a natural disaster (earthquake, hurricane, tropical storm, tsunami, flood). In that case, your comprehensive insurance will help you pay for repairs to your vehicle or replacement if necessary.

If you have doubts about this matter, the comprehensive insurance rates you are paying, or the level of comprehensive car insurance coverage, contact your car insurance provider for clarification.