dose anyone know WHAT COMPREHENSIVE INS. MEANS?

Question

WHAT IF YOUR PARKED CAR WAS BACKED INTO? SCAPPING THE WHOLE DRIVERSIVE.

Answer 1

Comprehensive insurance covers things that might happen to your car, not caused by collision That would be things like falling objects or contact with a bird or animal, fire, explosion, theft, windstorm hail, water, flood, vandalism, and broken glass. Most comprehensive insurance also includes windshield damage without a deductable. It is important to have, not real expensive, and you can have a larger deductable to keep your costs down.
Good luck.

Answer 2

Typically many of the other answers are incorrect, that's normal for insurance, few really know the correct answers.
Your own car is covered for damage to that car under two different coverages, (assuming that you are paying for those coverages), Collision and Comprehensive.
Collision is easiest to explain; your car collides with something, another car, truck, tree, the ditch, etc. Additionally if your car is struck by another car while parked it's a collision claim.
Comprehensive (also called "other than collision" by many companies), is therefore anything that can happen to the car, (other than mechanical failure), that is NOT a collision. Things like, fire, hail damage, tree falling on it, wind damage, vandalism, theft, animal running into it, glass breakage, (acts of God type things).
That's it in a nutshell.

Answer 3

That depends upon where you are from.

In the UK, Comprehensive cover is equivalent to full coverage in the US.

In the US, Comprehensive insurance covers non-collision damage to the vehicle -- fire, theft, vandalism, etc. Most policies include collision with animals under comprehensive insurance.

In the example you provided, you'd be covered under collision or uninsured motorist.

Answer 4

It is known for "Other than Collision"

Covered Perils would be vandalism, theft, fire, windshield coverage, animal collision, etc.

basically damage to your vehicle for something that was other than you colliding into an object

** revise to your additiona details**

Then you can make a hit & run claim under your uninsured motorist coverage (if purchased on policy and have license plate # of vehicle) this costs you nothing. Now if you cant then use your comp/coll coverage

Answer 5

"Comprehensive insurance" means "all inclusive insurance", and is NOT a valid type of policy. No policy covers everything.

"Comprehensive coverage" is ONE coverage line on an auto policy, and it's usually physical damage to your vehicle, caused by anything EXCEPT collision (your car hitting something, or something hitting your car) or upset (your car turning over). There are exclusions to this coverage, which vary from policy to policy or state to state.

If another car backed into you, that's a collision loss.

Answer 6

Comprehensive coverage will not cover the scenerio you posted. Comprehensive covers fire, hail, theft, glass damage, etc. The scenerio you posted would be covered under Collision coverage.

Good Luck!

Answer 7

Comprehensive means anything besides you colliding with another vehicle, big rock, etc. ( if you hit a deer that's comprehensive ) You hit a tree then it's collision. Comprehensive is theft, vandalism, burn anything besides you crashing.

Answer 8

Comprehensive pays for the loss of or damage to your car, other than by collision ie. caused by fire, wind, hail, flood, vandalism, theft or impact with an animal

Answer 9

Comprehensive means that the policy will cover loss or damage to your own car as well as damage to other peoples property or personal injuries.

Answer 10

it means comprehensive insurance...i think fire, water, gas and so on and so forth