Comprehensive Insurance

What Is Comprehensive Car Insurance?

Comprehensive car insurance coverage helps pay for damage to your covered vehicle (up to its actual cash value), minus any deductible amount, when the damage is caused by events such as fire, theft, glass breakage, riot, windstorm, and hail. It does not cover damage that is the result of a car accident unless the accident is due to an animal, like hitting a deer, for example. The availability of comprehensive auto insurance coverage varies by state. Comprehensive car insurance (also referred to as “other than collision” insurance in some states) is optional insurance coverage, but if you are financing or leasing your car, your lender will likely require that you have comprehensive car insurance coverage.
 

What Does Comprehensive Insurance Cover?

Comprehensive insurance helps cover the costs of damage to your car for non-accident related claims. Let’s say a hail storm blows through town and the aftermath is evident from the looks of your vehicle. Dents from the hail storm are visible on the hood and roof of your new SUV.
 
Luckily, your comprehensive insurance can help pay the costs to repair your car. If you didn’t have this coverage, you could be stuck paying for the auto body repairs out of pocket.
 
Comprehensive Insurance may cover things like:
 
  • Natural disasters (including a hurricane or tornado)
  • Vandalism
  • Theft
  • Fire
  • Falling objects
  • A civil disturbance (such as a riot)
  • Hitting an Animal
  • Glass damage
Comprehensive Insurance typically does not cover:
 
  • Damage to your car due to a collision
  • Medical expenses, legal fees or lost income to you or your passengers after an accident
  • Damage to another person’s car from a collision
  • Property stolen from your car

How Much Is Comprehensive Car Insurance?

Comprehensive car insurance coverage rates vary. Your driving history, type and age of your vehicle and the size of your deductible are some of the factors that may influence the cost of your premium. If you plan to purchase comprehensive auto insurance coverage, selecting higher deductible amounts generally helps lower the cost of premium.
 
The amount of coverage comprehensive car insurance provides depends on your car’s actual cash value (ACV). ACV is the actual cash value of the property on the date of the loss. To determine ACV of a vehicle in a car claim, the values of comparable vehicles in your area are taken into consideration. Comprehensive insurance coverage will pay an amount up to the ACV of your car to either repair or replace your car. If the cost of repairs exceeds your car’s actual cash value, it will be declared a total loss and The Hartford will pay the sum of the car’s ACV to help replace it. Get a comprehensive car insurance quote today.
 

Who Needs Comprehensive Insurance?

Almost all drivers across the country are at risk for damages that would be covered by comprehensive car insurance. Choosing this optional coverage may help put your mind at ease especially if you live in an area prone to theft, vandalism or natural disasters. Whether you live on the Florida coast, in an area with a lot of wildlife, or in a tornado-prone area, comprehensive insurance coverage is an important way to protect you from the potentially significant costs of non-collision damage to your vehicle.
 

How Does Comprehensive Car Insurance Work?

Comprehensive car insurance coverage includes a deductible (the amount you will have to pay out of pocket). An example of how comprehensive car insurance works would be if a deer ran across the road, into the side of your car and caused $4,000 in damage. First, you would file an auto insurance claim or a request for the insurance company to pay for your losses. If you have car insurance with The Hartford, you can file a claim here. Next, your car would be repaired. If you have a $1,000 deductible, you pay the first $1,000 of repair costs and The Hartford covers the remaining $3,000.
 

How Does Comprehensive Car Insurance Compare to Collision Insurance?

Comprehensive insurance and collision insurance are commonly mixed up. Both types of insurance coverage insure your car however they cover different events. Collision insurance covers car accidents while comprehensive insurance covers circumstances outside of your control, such as natural disasters and animals. One way to distinguish the difference between the two is thinking of collision insurance as your car colliding with something (other than an animal), and comprehensive insurance is everything else. Accidents involving animals are considered out of your control and covered by comprehensive insurance. Comprehensive coverage doesn’t include everything, but if you have concerns about your car hitting an animal, theft or vandalism, you should consider upgrading your policy today. Learn more about car insurance quotes today.
 

Does Comprehensive Insurance Have a Limit?

Coverage limits determine the most an insurance company will pay for a covered claim and comprehensive insurance does have limits. The limit on comprehensive insurance coverage is typically the actual cash value of your car. If your car were stolen, your comprehensive insurance policy would reimburse you for your car’s depreciated value. If you wanted to replace your stolen car with a new model, you would have to use money out of pocket in addition to the reimbursement.
 

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Auto Insurance 101

Learn more about auto insurance coverage in this video.