Coverage Details: What’s Typically Included and What’s Not?

Understanding the specifics of what types of claims comprehensive and collision insurance cover, as well as what is not covered, is crucial for vehicle owners. This knowledge not only assists in making informed insurance choices but also helps in setting realistic expectations about the extent of protection each type of insurance offers. While the terms, conditions and exclusions of each policy will vary, the following is a general summary of what is and is not typically covered under the following coverages.

Comprehensive Insurance Coverage

Comprehensive insurance is designed to help cover physical damages to your vehicle that occur from events other than collisions. This may include physical damages resulting from events such as theft, vandalism, natural disasters like hailstorms, and damage from animals. Essentially, comprehensive insurance covers non-collision related incidents that can impact the policyholder’s vehicle.

However, comprehensive insurance typically does not cover claims related to mechanical failures or wear and tear nor does it cover injuries to the driver or third party bodily injury or property damage claims. It also typically does not cover personal items inside the vehicle that are stolen or damaged. Understanding these limitations and exclusions is essential to making informed insurance decisions for your particular needs. For more detailed information, you can explore Acrisure's insights on comprehensive coverage.

Collision Insurance Coverage

Collision insurance generally covers damages to your vehicle resulting from a collision, regardless of who is at fault. This may include accidents involving another vehicle, hitting an object like a tree or a pole, or even a single-car accident where the vehicle rolls or flips.

However, collision insurance typically does not cover damage to another person's vehicle or property, nor injuries to third parties. Additionally, collision coverage typically does not cover damage from non-collision events, mechanical failures, personal items stolen from a vehicle or normal wear and tear. To delve deeper into the specifics of collision insurance, check out Acrisure's insights on collision insurance.