How Comprehensive is Comprehensive Coverage?

Comprehensive auto insurance is usually coupled with collision auto insurance, although you do not have to purchase both types of coverage. This type of auto insurance is for damage resulting from non-collision incidents. Such incidents typically include:

• Theft
• Vandalism
• Fire
• Falling object
• Floods
• Animal damage

Your deductible must be paid before you can get your claim handled by your auto insurance company. Comprehensive coverage is not mandatory. Most states only require liability auto insurance coverage. However, it is always a good idea to purchase as much auto insurance coverage as you can. Financed cars may be required to carry comprehensive auto insurance, to protect against loss due to theft especially. Vandalism of cars is expensive to repair, and since it is often difficult or almost impossible to find out who was responsible for the damage, comprehensive auto insurance can come in handy. Check with your auto insurance company to learn exactly which perils are covered under your comprehensive auto insurance.