What Is Typically Covered by Comprehensive Insurance?

The central question we aim to address is, "What does comprehensive insurance cover?" Comprehensive car insurance is designed to help protect against a range of non-collision-related incidents. While the specific terms and conditions of each policy will vary, the following are common scenarios and situations to which comprehensive car insurance may apply:

Theft: If your vehicle is stolen, comprehensive car insurance typically helps cover a replacement. This can be an important consideration to people who live in areas with higher theft rates.

Vandalism: In cases of intentional vehicle damage, such as graffiti or broken windows, comprehensive car insurance can help cover the costs to repair the damage.

Fire: Comprehensive car insurance helps provide coverage where your vehicle is damaged by fire that is outside of your control.

Falling Objects: If your car is damaged by falling objects, like tree branches or debris, comprehensive car insurance coverage typically covers the resulting claim.

Natural Disasters: From hailstorms to floods, comprehensive car insurance helps provide coverage for your vehicle with respect to the unpredictable forces of nature.

Damage from Animals: It's not uncommon for wildlife to inadvertently cause damage to vehicles. Comprehensive car insurance helps cover the resulting damages.

What's Not Covered by Comprehensive Car Insurance?

Although the terms and conditions of each policy will vary, it's essential to be aware of some common limitations in comprehensive car insurance policies. It typically does not cover any damages caused by an accident with another vehicle or hitting an object. Further, it generally does not cover routine maintenance, mechanical failures, or general wear and tear. In essence, comprehensive coverage is designed to help protect against non-collision-related incidents.