What exactly does comprehensive auto coverage cover?

Question

I need to know what type of coverage is collision and comprehensive, as far as auto insurance is concerned.

Answer 1

Comprehensive (in the U.S.) covers losses such as theft, hail, fire, flood, smacking a deer or other animal, cracked windsheild, etc. Collision covers losses like smashing your fender into a fence, running into the rear of another vehicle, some jerk that has no insurance crashes into YOUR car, etc, etc. Liability covers the loss you may do another car or person.

Answer 2

What is comprehensive coverage?

When we think of car accidents, we usually think of collisions with another car. In reality, there are several random, yet just as severe, ways in which your car can sustain damage. Comprehensive auto insurance coverage is your way of making sure you’re covered should your car be attacked by a vengeful rock, or an angry tornado.

In your auto insurance policy, comprehensive coverage helps pay for damage resulting from falling objects, fire, certain natural disasters (check your individual state’s policies for details), and vandalism.

Comprehensive coverage also generally covers theft. Unfortunately, in many places theft isn’t such a random occurrence. If you live in a metropolitan area, or an area that is prone to crime, you may want to consider this when you are purchasing your comprehensive coverage.

When you buy comprehensive coverage, you'll be asked to choose a deductible. If you choose a deductible of $1000, you'll be required to pay up to $1000 out of your own pocket if your car needs to be repaired or replaced. However, choosing a higher deductible helps decrease your auto insurance premium.

In setting your deductible, think about which you'd prefer— a low insurance premium accompanied by a higher out-of-pocket amount in the event of a loss, or a higher premium to ensure lower out-of-pocket expenses toward a loss. On the Esurance site, it's easy to explore the effect of changing your deductible by getting a quote, then using our "customize coverage" feature.

Don’t fall prey to random disasters; make sure you have sufficient auto insurance coverage. You’ll be glad you took our advice should that tornado arrive!

Answer 3

In some states, Comp is called other than collision. This is anything that damages your car while the car is not intending on being in motion. Now, I have seen claims rule both ways (collision or comp) on a legally parked vehicle. Also, if get into an accident with an animal, it is covered under comp. Rock chips and windshield repair is also covered under your comprehensive. Theft and vandalism is covered under comp. Vehicle upset isn't covered under comp.

Answer 4

What this means is that if you get into an accident, your insurance will pay for whoever you hit, and their medical bills, but you have to worry about your own car. I got into an accident and I only had collision and comp insurance and I had to just get a new car. The car had lots of damage to it, but the insurance wasnt going to pay to fix it. Unless you are trying to insure an old car that has a low value, I would go with full coverage. Also call a local insurance company and they would be able to explain it better.

Answer 5

Collision - just like it sounds. You run into something. Somethine runs into you.

Comprehensive - just about everything else. Hail, theft, fire, deer...etc

Answer 6

comp takes care of your car if it's damaged. Say a broken window, or someone scratches your car in the parking lot and doesn't leave their name.