Automobile Comprehensive Insurance

Comprehensive Insurance, or Other Than Collision, protects your car from any damage that is done to it that is not caused by a collision of any kind. There is no specific list of exactly what your car is protected from. Following are a few examples of what you are protected for with Comprehensive Coverage. This is not an extensive list, instead is meant only to provide you an idea of what is covered.

• Missiles or Falling Objects
• Fire
• Theft or Larceny
• Explosion or Earthquake
• Windstorm
• Hail, Water or Flood
• Malicious Mischief or Vandalism
• Riot or Civil Commotion
• Contact with Birds or Animals
• Breakage of Glass

Just like Collision, a deductible applies to Comprehensive. That deductible can range from $0 to $5,000 and more. Also like Collision Coverage, the higher the deductible, the cheaper the price, but the more you have to pay out for a claim.

Also like Collision, there is no maximum amount that you can collect. Whether you have a Dodge Neon or a Lamborghini Diablo, if your car gets stolen or damaged your insurance will pay to either repair or replace the vehicle!

Example: You leave your car outside in a terrible hailstorm. You have Other Than Collision (Comprehensive) coverage with a $500 deductible. After the hail storm you take your car into the shop and the assessed cost to repair the damage is $4,000. How much will your insurance pay? Answer: $3,500, which is the difference between your deductible and the amount of damage done to the vehicle.