Comprehensive insurance is a type of auto insurance that covers damage to your car from causes other than a collision. This includes but is not limited to:
- Theft
- Vandalism
- Fire
- Natural disasters
- Hitting or being hit by an animal
Comprehensive auto insurance policy does not cover:
- Damage to your car from a collision
- Medical expenses
- Legal fees
- Lost income for you or your passengers if you miss work after an accident
- Damage to another person’s car from a collision
- Property stolen from your vehicle
Comprehensive insurance will not cover your vehicle's regular wear and tear. Items that typically need to be replaced over time due to regular wear and tear include belts and hoses, brakes, tires, windshield wipers, etc.
You may add comprehensive coverage to your policy to help safeguard your vehicle, but it is not a legal requirement. Unlike some other coverages, it does not have a limit, and your vehicle’s real value determines the maximum amount covered by comprehensive insurance.
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