Comprehensive Car Insurance

Car Insurance - Comprehensive

Comprehensive Insurance - Comprehensive protects your property but not for times when you are driving down the road. Comprehensive insurance pays for damage done to your automobile when it is not in an accident or even in use.

For example, if your car is parked in the driveway of your home and someone vandalizes it comprehensive car insurance would cover the damage. Comprehensive insurance would also typically cover damage caused by fire, hail, animals, theft, falling tree limb, etc.. It is important to check your comprehensive policy carefully as what is covered, and not covered, may vary from company to company. You don't want to learn after the fact that hurricane damage is not covered if you live in a state such as florida.

Like collision insurance comprehensive has a deductible amount that you must choose. The deductible is the amount of money that you are initially responsible for in the case of an insurance claim. So if you have a $1,000.00 deductible and your car's damage is $2,000.00 your policy would figure:

$2,000.00 - Damage Amount to the Automobile

$1,000.00 - Comprehensive Auto Insurance Deductible

$1,000.00 - Amount Covered (or Paid) by Insurance

A deductible is usually available in amounts of $250.00, $500.00 and $1000.00. The higher the deductible amount the less your collision coverage will cost you.