What is Comprehensive Insurance ?

What is Comprehensive Insurance ? Comprehensive insurance is an optional type of car insurance coverage that pays for damage to a vehicle caused by non-collision events that are beyond your control. For example, comprehensive insurance covers damage due to falling objects, fire, theft, flooding, vandalism, wind, and more. Without comprehensive insurance, you risk having to pay out of pocket to repair or replace your vehicle should an incident occur. Things to Know About How Comprehensive Insurance Works: • You can purchase comprehensive insurance from any auto insurance company, as it is a very common type of insurance. • You will likely be required to purchase collision insurance when you get comprehensive coverage, since most insurance companies do not sell comprehensive insurance by itself. • Comprehensive insurance is not required by law, but a lender or lessor might require it. • You can file a comprehensive insurance claim by calling your insurance company and providing them with all the information you have about the accident. You may also be able to file your claim on your insurer's website or app. • You will always file comprehensive claims with your own insurance company. • When you file a comprehensive insurance claim, you will be responsible for paying a deductible. • If your insurance company approves the claim, you will pay your deductible directly to the repair shop.