Auto Insurance: What is Comprehensive Insurance Coverage?

Insurance can be a bit difficult to understand, especially for someone who doesn’t work in the industry.  But understanding your coverage’s and amounts are vitally important.  Just wait, when that first (or..not first) accident happens heaven forbid (whether it be your fault or not), you will wish you knew just what is covered on your auto insurance policy.

One of the most misunderstood auto insurance coverage’s is the “Comprehensive Coverage.”  What is comprehensive insurance coverage? I’m glad you asked.  Here’s what you need to know.

Comprehensive Insurance Definition

In short, comprehensive insurance covers losses that are not caused by a collision.  Some of these coverages include but aren’t limited to:

  • breakage of glass
  • fire
  • explosion
  • colliding with a bird, animal, missile or falling object (yes, insurance policies name missile’s as an example)

Basically, if you didn’t run into another car or property, it is most likely covered under comprehensive coverage.

Did you know…

  • Comprehensive coverage alone is generally not allowed if there are no other vehicles with Bodily Injury and Property damage coverage.
  • Most insurance companies will not allow comprehensive coverage on non-owned cycles (motorcycle, etc.).
  • One of the most often used types of claims is glass breakage or windshield replacement. I’m sure you have experienced a large crack in your windshield at some point.  Now days, this is generally covered under your comprehensive coverage on your auto insurance policy.  Keep in mind that some companies will include windshield replacement coverage as a requested coverage with no deductible, and some will have it covered under the comprehensive coverage in which case a deductible may apply.  Ask your insurance agent about “no deductible windshield replacement” to ensure you have this.
  • Comprehensive insurance is not required by law in most states, although it is not advised that you remove this coverage


It is recommended that you always include comprehensive coverage on your auto insurance policy.  It may be tempting to ask your agent to take it off in order to save on monthly premium payments, but trust me…most people don’t want it until the need it, and once they need it, it’s already too late.  Don’t take that chance and keep your comprehensive coverage.

What further questions do you have about comprehensive auto insurance coverage? Post your comments below.





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