What is Comprehensive Insurance?

Question

What is Comprehensive Insurance?

Answer 1

I always have liability and comprehensive on my cars, if a rock smacks the car or heat crack starts creeping along the windshield the insurance covers it. It has saves me a few hundred dollars over the years.

Answer 2

This type of insurance covers things like hale damage, a tree falling on your car, a rock cracking your windshield. It basically cover things that are natural occurrences and not anyones fault. Its kind of a catchall to cover claims that your other insurance doesn't.

Answer 3

Think of it in terms of fault. If you run into another car, tree, sign, etc. that's collision.

Things that aren't your fault like theft, hail, falling rocks, and animals jumping out on the road would be considered Comprehensive. Usually Comp claims do not make your rate go up.  

Answer 4

Comprehensive is act of god coverage.

There are three main types of insurance coverage,

Collision - you wrecked your car,

Liability - you tore up someone elses property or hurt them,

Comprehensive - a rock came off the road, a deer jumped ran into the road, you came back to your parked car and found it smashed to h**l....  see, no fault, act of god kind of stuff.  

Answer 5

Comprehensive Coverage does indeed protect against damage to your vehicle caused by an event other than a collision or overturn. Examples include fire, theft, vandalism, and falling objects. This also comes with a deductible you select, which is how much you will pay before the insurance company pays the remainder.

Collision protection covers the loss to your own auto caused by  acollision with another vehicle or object. If you cause an accident, collision coverage will pay to repair your vehicle, and is normally the most expensive part of an auto insurance policy. You must choose a deductible, which is the amount you, the insured, must pay before the insurance company pays the remainder of each covered loss. The higher the deductible, the lower the premium costs. However, keep in mind that this is the amount you must pay (generally to the repair shop) if your vehicle is damaged, so deciding on your deductible, which directly affects your premium, can be a bit of a balancing act.

Libaility is the third area of general coverage. The official definition of liability from the InsWeb glossary is: "That portion of the insurance contract which pays and renders service on behalf of an insured for a covered loss arising out of the insured's responsibility to others imposed by law or assumed by contract." In simpler terms, if you are at fault in an accident, liability insurance will pay to cover injuries and property damage costs caused to others in the accident (including your legal defense costs, if applicable). Bodily injury coverage pays for things like medical costs and lost salary to others; while property damage pays for repairs to other people's property you damaged in the accident (other than your own car). Liability coverage (which is the state mandated part of your policy) is the basic building block of any auto policy, and minimum liability limits vary from state to state.

For more definitions and information about auto insurance in addition to new-vehicle previews, reviews, driving blogs, photos and videos as well as quality ratings, please visit JDPower.com. There is also information about used cars and trucks too.

Another site for insurance information--including auto insurance:

http://www.insweb.com/insurance/learning...