A comprehensive policy is an important part of your overall auto insurance package, and it is vital that you understand exactly what your comprehensive coverage will include before a disaster happens and you really need it.
While every policy can be unique to the holder, in general comprehensive policies cover the same type of perils, which are decidedly different from those perils covered by your liability insurance or your collision insurance.
Your collision coverage is essentially there to cover your vehicle damages and your personal injuries that may happen in an accident. Your collision coverage only applies in accidents, so the coverage is limited to those situations when you are actually on the road.
Your liability coverage is very similar to the collision coverage in many ways, however the main goal of this type of insurance is to take care of injuries and vehicle damages that you may inadvertently cause to others.
Even though your collision and liability coverage do take care of many situations with your vehicle, they don’t cover them all. This is where you need to have a comprehensive policy. Your comprehensive coverage is there to cover the non accident damages. For example, flooding, vandalism, theft, and damage from objects.
A good car insurance policy is a full coverage one that includes all three types of coverage: A liability policy, a collision policy, and a comprehensive coverage policy. While many people tend to overlook comprehensive coverage, it is certainly vitally important if you want to be protected from theft and other major non accident perils.
Don’t get caught without the comprehensive coverage you need! Our agents can create a policy that will cover everything you need in just minutes, so don’t hesitate to check out our live comparative quotes online!