Does fully comprehensive cover accidental damage?
Asked by: Clemmie Feest | Last update: January 24, 2026Score: 4.2/5 (2 votes)
Does comprehensive insurance cover accidental damage?
In a nutshell, comprehensive car insurance cover – sometimes known as fully comprehensive cover, pays out if you damage your car, someone else's car or injure someone in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.
Does full coverage cover accidental damage?
So what does full coverage car insurance cover? In most cases, it includes liability, comprehensive, and collision coverage. Collision and comprehensive will protect you and your vehicle if you get into an accident. If you're found at fault for an accident.
What does comprehensive coverage not cover?
Comprehensive insurance covers damage to your car from animals, falling trees, natural disasters, theft, and vandalism. It does not cover damage to other vehicles or people.
Does comprehensive insurance cover damage?
Comprehensive car insurance generally lives up to its name. It'll cover you for a wide range of damage caused by insured events like accidents, theft, fire (including bushfire), storms (including cyclones) and hail. It also has your back if you cause any damage to someone else's car and property.
What Happens If I have a Car Accident? With Fully Comprehensive Cover -All Explained!
How much damage does comprehensive insurance cover?
Comprehensive insurance coverage is defined as an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control. This includes theft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature.
How much does insurance go up after a comprehensive claim?
Using a methodology outlined here, we found a comprehensive claim raises auto insurance rates by $36 over the course of a standard six-month policy, on average.
What does fully comprehensive cover include?
Fully comprehensive car insurance includes as standard all the protection you'd get from third party, fire and theft insurance, in addition to covering you if an accident is your fault (with some exclusions). If you are looking for motorbike insurance, or van insurance, see our specialist guides.
Is it better to have collision or comprehensive?
If your car is damaged in a road collision with another car or object and you're at fault, only your collision coverage can help pay to repair it. Only comprehensive coverage covers losses caused by contact with animals, civil disturbances, fires, natural disasters, theft, and vandalism.
Which of the following would not be covered under comprehensive coverage?
What's not covered by comprehensive auto coverage? Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object outside of live animals. Any medical expenses for you and any passengers will also not be covered as a result of the incident.
What accidental damage does not cover?
Accidental damage cover won't protect against damage that happens outside. You will need extra cover for damage that happens while you're out and about. Limits, terms and exclusion apply to all levels of cover.
What happens if I crash my car with full coverage?
Assuming you're covered, your insurer will send a payment to your lender for the actual cash value of the car, minus any deductible. Make sure you give your lender's contact information and the account number to your agent or insurance company.
Is it worth claiming for accidental damage?
If your household is more careful than clumsy, or you don't have too many expensive or antique items in the home, the extra cost might not pay off. Comparing your current buildings insurance with policies that include accidental damage cover can help you decide if the added cost is justified.
What are the disadvantages of fully comprehensive car insurance?
Comprehensive Disadvantages
The only disadvantage we see with comprehensive coverage is that it could potentially cost you more than it's worth—but that's a pretty unusual situation. For example, your vehicle could lose so much actual cash value that it dips below the amount of your policy deductible.
Does insurance pay for accidental damage?
If your policy does not automatically include coverage for accidental damages, which many don't, then you'll often find it listed as an optional add-on. This means that in order to be protected against accidental damage, you would have to have opted into this coverage beforehand.
Does fully comprehensive cover breakdown?
Comprehensive car insurance provides a greater level of protection than that available under Third Party Fire & Theft. In addition to covering loss or damage to your car as a result of an accident, it also includes the following benefits as standard: Windscreen repair and replacement. Roadside Breakdown Assistance.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.
When should you drop comprehensive coverage on your car?
The ten rule is this: Once the value of your vehicle is less than ten times what its insurance premiums are, it's more economical to drop comprehensive and collision coverage than to pay for them.
Is hitting a person collision or comprehensive?
It would be covered under collision coverage. Collision covers damages anytime the car collides with another object.
What falls under comprehensive coverage?
Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal.
What does personal accident insurance cover?
Personal accident insurance provides financial support should you or one of your team be injured in an accident. It's not related to court cases or compensation payments. Instead, it helps to cover the costs of lost wages, medical rehabilitation and even retraining until you're able to work again.
What is included in a comprehensive?
Comprehensive, sometimes called "other than collision" coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you're financing or leasing your car, your lender likely requires comprehensive coverage.
How long do accidents stay on your record?
In the state of California, most vehicle accidents will stay on your record for around 3 years. However, more serious traffic violations will follow you for longer. For example, a DUI conviction will stay on your record for 10 years.
Does a comprehensive claim go against you?
Yes, a comprehensive claim might increase your rate, depending on your insurer and state. Comprehensive claims include non-collision events like car theft, car vandalism, car fire, chipped/cracked windshield, hitting an animal, and acts of nature.
What is accident forgiveness?
What is Accident Forgiveness? Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident. Others on your policy can also benefit from Accident Forgiveness. But it can only be used once per policy.