Theft of the car itself · Vandalism · Fire damage · Animal damage (like hitting a deer) · Natural disasters (such as a tornado) · Random objects hitting your car (like a tree branch or rock hitting your car)
Comprehensive coverage replaces or repairs your car if it's stolen or damaged. ; If you lease or finance your car, your lender may require comprehensive coverage. ; Liability insurance is required by state law. Comprehensive coverage is in addition to liability insurance. ; Compare car insurance rates with Coverage.com.
In spite of this, the phrase “full coverage” is commonly used by insurance agents, car dealership sales associates, and vehicle financing company representatives. You might also see the phrase used online (in articles about insurance, for example). So just what are they talking about? ...
Feature, Comprehensive Coverage ; What's Covered, Non-collision damage to your vehicle, such as: Theft Falling objects Fire Natural disasters Animal damage ; Deductible, Yes ; Coverage Limit, Actual cash value ; Required or Optional?, Required if leasing or financing vehicle. Otherwise optional. ; What's Not Covered, Damage to another person's vehicle Medical bills (yours, your passengers', other drivers', other passengers')
Key Takeaways: ; Full coverage car insurance is protection that includes collision, comprehensive, and liability coverage. ; Often, you can supplement your insurance with uninsured motorist coverage, personal injury protection, medical payments, gap insurance, and other coverage options. ; Full coverage typically costs more than minimum liability insurance; however, it may benefit drivers who want to avoid expensive out-of-pocket vehicle repairs.
Type of Car Insurance Coverage, Required or Optional ; Liability Coverage Bodily injury liability Property damage liability, Required ; Comprehensive Coverage, Optional (unless you lease or finance your vehicle) ; Collision Coverage, Optional (unless you lease or finance your vehicle) ; Medical Payments Coverage/Personal Injury Protection, Required in some states ; Uninsured and Underinsured Motorist Coverage, Required in some states ; Rental Reimbursement Coverage, Optional
Cost : The best way to estimate your costs is to request a quote, App available : Yes, Policy highlights : Geico auto coverage is available in all 50 states and the District of Columbia. It offers 16 discounts and a variety of optional add-ons, such as emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance.
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.
Comprehensive insurance can be an important financial backup after a variety of problems. State laws don’t require you to buy comprehensive car insurance, but having it can be smart, especially if your car is new. Comprehensive insurance is an optional car insurance type that pays to repair your car or pays you the value of the vehicle if it’s totaled due to specific problems. It also compensates you if your car is stolen. Insurance checks for a comprehensive claim will be reduced by the amount of your deductible. ...
for covered losses regardless of who is at fault. Cons Comprehensive insurance doesn't cover damage caused by a collision.... What Does Comprehensive Auto Insurance Cover? Comprehensive...