What type of damage would be covered under comprehensive?
Asked by: Dedrick Keeling I | Last update: October 31, 2025Score: 4.6/5 (67 votes)
What is covered under comprehensive coverage?
What is 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 is an example of comprehensive damage?
Comprehensive covers damage to your car caused by something other than a collision. For example, comprehensive can cover damage from fire, theft, vandalism, windstorm, flood, falling objects, etc.
What does comprehensive insurance cover me for?
Comprehensive insurance provides the same level of cover as Third Party Fire & Theft but will also cover you in the event of an accident or damage caused by vandalism. With comprehensive cover you will receive compensation for the damage to your own vehicle even if you're at fault for the accident.
Is it better to have collision or comprehensive?
If you live in an area prone to such risks or have an expensive car, comprehensive coverage is a safer bet. If your car is older and its market value is low, skipping comprehensive or collision might save you money. On the other hand, for new or valuable cars, a mix of both could offer peace of mind.
What is covered under comprehensive auto insurance?
When should you consider not carrying comprehensive insurance?
Your vehicle holds a low value: As with collision, consider dropping comprehensive coverage if your vehicle's market value is lower than a few thousand dollars. Figure in your deductible as well and the potential insurance payout may not be worth the price of the coverage.
Will my car insurance go up if I make a comprehensive claim?
Comprehensive claims
Depending on your insurance company and your state, your rate may increase for damage-related incidents that were out of your control.
What does fully comprehensive cover?
What is comprehensive car insurance? 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 comprehensive cover dents?
How does car insurance cover scratches and dents? When it comes to dents, scratches, and door dings, most car insurance claims fall under collision or comprehensive coverage. These coverages can be optionally added to your policy and should be considered if you are concerned about damage to your vehicle.
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.
Is hitting an object collision or comprehensive?
Comprehensive covers damage to your vehicle from unexpected non-collision incidents like theft, animal damage, falling trees, and weather damage. Collision covers damage to your vehicle that's the result of a collision with another vehicle or object.
Does comprehensive insurance cover engine failure?
It covers the damage caused to your car in an unforeseen event and the other person's car in case of an accident. Mechanical problems like engine failure are covered by car insurance only if it occurs because of an accident, flood, fire or vandalism.
What is not covered with comprehensive homeowners insurance?
Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.
What does comprehensive medical insurance cover?
What is comprehensive coverage? Comprehensive coverage – when we're referring to health insurance, as opposed to automobile insurance – refers to a health plan that provides broad coverage of a wide range of healthcare services such as physician visits, hospitalization, prescriptions, and emergency room visits.
Is windshield damage covered under comprehensive?
Auto insurance coverage for windshield damage
Comprehensive coverage may help pay to replace or repair a damaged windshield if it's hit by a rock or another object. Comprehensive also helps cover damage from perils such as fire, theft, falling objects or hail.
What does comprehensive insurance not cover?
There are several things that comprehensive insurance does not cover, including: Damage from a collision. Damage to another driver's car from a collision. Medical expenses after an accident.
Is a door ding collision or comprehensive?
Comprehensive insurance policies usually cover door dings, as they are considered non-collision damage. Collision coverage policies generally only cover damage caused by a collision with another vehicle. You can also opt for a paintless dent repair plan, which can help restore minor dings and dents to your vehicle.
Does comprehensive cover bumper damage?
If the damage is caused by something other than a collision, like a tree branch falling on it, comprehensive coverage would apply instead. If the bumper damage is very minor, it may make more sense to pay out-of-pocket, especially if the cost of repairs is lower than your deductible.
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 do I know if I have comprehensive coverage?
The overview section of your policy's declarations page may also list all of your coverages. If you see both collision coverage and comprehensive coverage (sometimes referred as "other than collision" coverage) listed under your vehicle, then you're covered for physical damage.
Do I have to pay comprehensive deductible?
The deductible on your policy will apply if you file a claim for damage covered by comprehensive, however there are some instances in which you don't have to pay a comprehensive deductible. For example, cracks or chips in your windshield may be paid in full by your insurance company depending on the state you live in.
Is it better to file a comprehensive or collision claim?
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.
Can a comprehensive claim be denied?
Insurance companies may deny a claim when there is a policy exclusion or policy-based justification for denial, when the claim is insufficiently supported, when the policy has lapsed, or when there is reason to invalidate the policy itself, such as when the insured party included misleading information on their initial ...
Will my insurance go up if someone scratched my car?
If the damage is deemed your fault, a scratch or dent claim will affect your rate, but if it is not a chargeable claim or the other driver is at fault, your insurance rates should remain the same.