What Does Comprehensive Insurance Cover?

Many first-time car-buyers want to know: What does comprehensive insurance cover? Comprehensive insurance coverage helps cover the cost of damage to your vehicle that is not caused by a collision. For example, if your vehicle is stolen, lost, struck by an airborne object, or vandalized, you would be able to file a claim using your comprehensive insurance coverage. Additionally, certain forms of glass damage may also be covered by comprehensive auto insurance. If you’re still asking “What does comprehensive auto insurance cover?” and would like a more in-depth explanation, continue reading with Tom Peacock Nissan. Our finance center is always happy to provide car-buying tips that The Woodlands drivers can trust!

What is Comprehensive Coverage?

What is comprehensive coverage, exactly? As we described above, comprehensive auto insurance serves as coverage for repair costs brought on by vehicle damage that wasn’t caused by an auto accident in Spring. Exact items covered may vary between different insurance providers, but here’s a general list of what should be included under comprehensive insurance coverage.

What Does Comprehensive Auto Insurance Cover? A Closer Look:

• Auto theft
• Glass damage: windshield, side, and rear windows
• Vandalism, fire, explosions
• Damage caused by falling objects (tree branches, etc.)
• Weather-born damage from storms, wind, hail, floods, lightning, and earthquakes
• Damage resulting from a collision with an animal, i.e. a deer crossing the road 

Regarding animal-related damage, it’s important to note that if striking an animal causes you to swerve and hit a tree, median, etc., the damage would likely be covered by your collision insurance instead of comprehensive insurance.

How Do You Use Comprehensive Insurance Coverage? 

The hope is that you never need to use your comprehensive insurance coverage in Conroe, but if something happens and you need to file a claim, here’s how it works:

1. Your car is damaged by a covered occurrence. Let’s say, for example, a fallen tree causes $5,000 worth of damage. 
2. You file a claim with your provider. Like any auto incident, you will need to file a claim in order to be compensated by your comprehensive coverage. The process might vary depending on your provider, but you can usually file using one of several methods: online, mobile apps, over the phone, etc. 
3. Schedule the repairs. Going back to our fallen tree example, let’s imagine you have a $1,000 deductible. You would bring your vehicle to a repair center agreed upon by you and your insurance provider and pay $1,000 out of pocket—the rest of the $4,000 would be taken care of by your insurance.

How Is Comprehensive Insurance Different From Collision Insurance? 

If you’re confused about the difference between comprehensive vs. collision insurance, you’re not alone! Both offer protection against vehicle damage, but they apply to different types of occurrences causing the damage:

• Collision insurance is reserved for damage caused by auto accidents 
• Comprehensive insurance is reserved for damage caused by non-accident related occurrences, i.e. occurrences that you could not control 

Contact Us with Additional Questions

Whether you have more insurance questions, like what gap insurance covers, or you would like to explore leasing and financing options for a new Nissan, Tom Peacock Nissan is here to help you make a smart decision. Contact us at your convenience to strike up a conversation!