What Does Comprehensive Insurance Cover?

When you’re buying a new vehicle for your North Las Vegas, NV commute, you may be offered comprehensive insurance coverage. But what is comprehensive coverage? And what does comprehensive auto insurance cover? 

Comprehensive insurance generally protects drivers from damage to their vehicle that is not caused by a collision. This means that if your vehicle is ever lost, stolen, vandalized, or hit by a falling object, you can make a comprehensive insurance coverage claim and let your provider pay for the damages! Learn more about comprehensive auto insurance and why you should consider it for your next vehicle with Stephen Wade Cadillac’s finance team.

What Does Comprehensive Auto Insurance Cover?

We’ve gone over the general idea of what comprehensive coverage is, but what exactly does it cover? Coverage will vary depending on the provider, but you can generally expect comprehensive insurance coverage to protect you against:

• Vehicle theft
• Windshield/glass damage
• Vandalism
• Fire or explosions
• Falling objects like trees
• Storms, wind, hail, floods, lightning, earthquakes
• Hitting a deer and other animal-related accidents

How this coverage is applied is specific. For instance, you cannot make a claim with your comprehensive insurance provider if you swerve to avoid hitting a deer on a Washington road and end up hitting another car instead. If you hit a car, it falls under collision insurance. If you’d not swerved and hit the deer, it would fall under comprehensive insurance coverage.

How Does Comprehensive Insurance Coverage Work?

Now that you know more about what comprehensive auto insurance covers, here’s how filing a claim will work:

• Your car acquires covered damage: Continuing with our deer example, let’s say the deer did $5,000 worth of damage to your vehicle. 
• You file an insurance claim: File a claim with your comprehensive insurance provider either through the phone, online, or via their mobile app.
• Take your vehicle in for repairs: Once your claim has been processed, take your damaged car in for the necessary repairs. Depending on your insurance, you may have a deductible. In our example, let’s say the deductible is $1,000. You’ll pay the mechanic $1,000, while your provider will pay the other $4,000.

Comprehensive vs. Collision Insurance

With so many types of insurance available for Cedar City drivers, it’s easy to get two of the most common types confused: collision and comprehensive insurance coverage. While both insurances will cover your vehicle in the event of damage, collision insurance will only cover your vehicle in a car-to-car accident. In contrast, comprehensive insurance will only cover your model in a single-car accident. 

Essentially, if the damage to your vehicle was caused by anything other than another vehicle, it will fall into the comprehensive auto coverage category. It can get confusing in animal-related accidents, but so long as a vehicle collision does not occur, it will likely fall under your comprehensive insurance.

Find Insurance & Financing at Great Rates When You Visit Stephen Wade Cadillac!

Interested in learning more about what comprehensive auto insurance covers or other types of insurance available, like liability insurance? Then contact Stephen Wade Cadillac online or at (435) 216-7125! Our team will happily find you the coverage you need at a rate you can afford for your new or used Cadillac in St. George. Don’t wait– make sure your vehicle is covered against collisions or accidents today!