Comprehensive car insurance provides coverage for non-collision-related damages to your vehicle, such as theft, vandalism, natural disasters, and animal strikes. It differs from other types of car insurance in terms of the risks covered.
Comprehensive insurance typically has a deductible, the amount you must pay out of pocket before the insurance coverage kicks in. This type of insurance is optional but is recommended for newer and more valuable vehicles.
How comprehensive insurance is different from other types of car insurance?
Comprehensive car insurance differs from other types of car insurance in the following ways:
Liability insurance
Liability insurance is the most basic level of car insurance required by law. It covers bodily injury and property damage you cause to others in an accident but doesn’t cover damages to your vehicle or injuries to yourself.
Collision insurance
Collision insurance pays for damages to your vehicle resulting from a collision with another vehicle or object. It doesn’t cover non-collision related damages like theft or vandalism.
Personal Injury Protection (PIP)
PIP insurance covers medical expenses for you and your passengers in the event of an accident. Comprehensive insurance does not cover personal injuries, but it protects your vehicle from various non-collision events.
On a final note
Comprehensive car insurance offers broader coverage compared to other types of car insurance. It protects your vehicle against a number of covered perils, such as accidents, theft, vandalism, and natural disasters. While it’s optional, it’s a good idea to get comprehensive insurance for newer or more valuable vehicles.
