Comprehensive Auto Insurance Information
Comprehensive auto insurance is a type of optional auto coverage that you can choose to add to your auto insurance policy. Depending on your situation, it may be in your best interest to add this coverage to your policy to gain additional financial protection against various damages, such as theft, vandalism and falling objects. Contact Matthew Clifton Roenker Agency today to get a quote for comprehensive coverage.
What Is Comprehensive Auto Insurance?
Comprehensive insurance is a type of auto insurance that provides coverage for damages to your vehicle that are not caused by a collision with another vehicle. This type of insurance is also known as “other than collision” coverage. Comprehensive insurance provides coverage for events such as theft, fire, vandalism, natural disasters, animal collisions and falling objects. It is an optional coverage that you can add to your auto insurance policy.
What Does Comprehensive Insurance Cover?
Comprehensive insurance provides coverage for damages to your vehicle that are not caused by a collision with another vehicle. This includes damages caused by theft, fire, vandalism, natural disasters and falling objects. Some of the specific events covered by comprehensive insurance include the following:
- Theft—If your vehicle is stolen, comprehensive insurance helps cover the cost of replacing the vehicle.
- Fire—If your vehicle is damaged by fire, comprehensive insurance helps cover the repair or replacement cost.
- Vandalism—If your vehicle is vandalized, comprehensive insurance helps cover the cost of repairing the damage.
- Natural disasters—If your vehicle is damaged by a natural disaster such as a tornado, hurricane or flood, comprehensive insurance helps cover the cost of repairing or replacing the vehicle.
- Falling objects—If your vehicle is damaged by falling objects such as tree branches or rocks, comprehensive insurance helps cover the cost of repairing the damage.
- Animal collisions—Although it may be confusing, collision policies do not provide coverage for damages caused by an animal-vehicle collision. A comprehensive insurance policy provides coverage for such damages.
It is important to note that comprehensive insurance does not cover damages that are caused by a collision with another vehicle. There may be additional exclusions and limits to coverage. Work with your Matthew Clifton Roenker Agency to learn more about what your comprehensive insurance policy could cover.
Who Needs Comprehensive Coverage?
Virginia state law does not require comprehensive coverage, but it is recommended for most drivers. However, if you’ve financed your vehicle (i.e., you have an auto loan or lease), the lender may require you to carry minimum amounts of comprehensive coverage. If you have a newer or more expensive vehicle, comprehensive coverage can provide added protection in the event of theft, vandalism, or other non-collision-related damages. If you have an older vehicle that isn’t worth much, you may choose to forego comprehensive coverage.
Comprehensive coverage is also recommended for drivers who live in areas that are prone to natural disasters such as hurricanes, tornadoes, or floods. In these areas, the risk of non-collision-related damages is higher, and comprehensive coverage can provide added protection.
How to Get Comprehensive Coverage
Comprehensive insurance is a type of auto insurance that provides coverage for damages to your vehicle that are not caused by a collision with another vehicle. If you need comprehensive coverage, we’re here to help. Reach out to Matthew Clifton Roenker Agency today to learn more and get a quote.