What is Comprehensive Coverage and What Does Comprehensive Insurance Cover?

Comprehensive coverage helps you pay for the replacement of your vehicle or repair the damage done to your car as a result of any reason other than collision. This is why comprehensive coverage is also referred to as “other than collision” coverage.

What does Comprehensive Insurance Cover? Any damage to your car that was not caused by a collision with another vehicle. Examples of this include natural disasters such as hurricanes or earthquakes, fires, vandalism, theft, falling objects, among others.

Pros of Comprehensive coverage  1. Prevents you from getting additional debts for having wear and tear for your vehicle after minor damages such as hit by animal or glass damages. 2. Peace of mind 3. t can be even beneficial if you have a less expensive vehicle that raises your deductibles

Cons of Comprehensive coverage  1.  Comprehensive coverage providers say that everything is covered under it, but in reality, this is not the case. 2. Companies only sell a combination of combined collision coverage and comprehensive coverage because collision coverage costs way more than comprehensive coverage.

Why do you need comprehensive coverage? Comprehensive coverage is useful for new vehicles. This is because your vehicle value depreciates with time.

Sum up! Sometimes it’s easy to mix up things when you are about to get comprehensive or collision coverage for your car. Whatever you do, make sure to calculate your options to identify if having comprehensive coverage will benefit you in the future or not.