is damaged in some way. Most states require you to have minimum amounts of liability insurance coverage; some also require you to have other coverage types, such as uninsured motorist...
Your insurance may help pay to repair tire damage in certain situations. Learn what types of coverage can help if you unexpectedly wind up with a damaged tire.
What does comprehensive insurance cover? ; Do you have to pay a deductible for hail damage? ; Will filing a hail damage claim affect my car insurance premium?
Replace your car if it's stolen ; Replace certain car parts that are stolen ; Repair damage to your car from a theft or break-in
Comprehensive coverage is auto insurance that helps protect the value of your car if it is damaged or totaled due to events that are considered out of your control, such as falling tree branches or a hail storm. It also covers theft. If you don’t own your vehicle outright, your lender will probably require that you buy comprehensive insurance, though it is otherwise considered optional coverage. It’s also a good idea to have comprehensive coverage if you have a car that you cannot afford to ...
If you make a tree damage claim on your comprehensive coverage, you should be aware of your deductible and coverage limit, as they affect what you pay out of pocket. ; The deductible is what you pay toward a covered claim. For example, let's say when you purchased comprehensive coverage, you selected a $500 deductible. If it costs $3,000 to repair your car after it's damaged by a fallen tree, you will pay your $500 deductible and your insurer would pay the remaining $2,500. ; Your comprehensive coverage limit comes into play if your car is destroyed by a tree. If your vehicle is declared a total loss, your insurer will help pay for you to buy a new one — up to your coverage limit. The limit for comprehensive coverage is typically the depreciated value (also called the "actual cash value") of your vehicle. For example, say your totaled vehicle's actual cash value is $20,000. Your comprehensive deductible is $500. Your insurer would send you a check for $19,500.
Key Takeaways: ; Comprehensive car insurance covers damage to your car that is not a result of a collision, such as natural disasters, theft, falling branches, or vandalism. ; If your vehicle is financed or leased, your lender may require you to carry comprehensive coverage. ; Comprehensive coverage doesn’t cover damages you may have caused to someone else, medical expenses, or legal fees.
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Like other forms of auto insurance, comprehensive coverage pays for part of the loss if your car is damaged. The vehicle owner will also have to pay a stated portion of the cost (known as...
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