Comprehesensive Coverage: A Simple Guide

Unruh Insurance Agency

Sometimes referred to as “other than collision”, comprehensive is a coverage on your auto insurance and not the policy itself.

Let’s make it simple...

Comprehensive coverage protects your car from damage that is out of your control.

What Comprehensive Actually Covers:

• Accidents with animals • Storms, hail, wind, floods • Windshield damage • Rocks falling off vehicles • Falling trees • Theft • Vandalism • Earthquakes • Fire • Riots

How does comprehensive coverage work?

You’re driving down a road at dusk and you hit a deer (poor guy!) causing $4,000 in damages to your vehicle.

01

You file a claim with your insurance company so that they will cover your repairs (luckily you have comprehensive coverage on your auto policy, at least in our example).

02

Your car gets repaired. With comprehensive coverage in place, you pay your deductible – $500 for example – and your insurance company pays the remaining $3,500.

03

If it's up to YOU

You may be required to have comprehensive coverage if you lease or finance your car. But if it’s up to you, “other than collision” is a good option to keep in mind.

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