Comprehensive insurance defined.
When it comes to auto insurance, there are a myriad of coverage options out there. With all this variety, it can be difficult to understand what the different options actually cover. One of the insurance options you might be confused about is comprehensive coverage. To clear things up, here’s what you need to know about comprehensive insurance.
What is it?
In simple terms, comprehensive insurance is designed to cover car damages that aren’t caused by a collision event. For instance, if your car sustains damage as a result of theft, an act of vandalism, fire, natural disaster, or so on, then comprehensive insurance would offer you coverage to repair these damages. Glass damage, such as a nick or crack in your windshield, is also generally covered under comprehensive insurance.
It’s also important to understand that the name “comprehensive” might be a little misleading. While comprehensive insurance may cover a lot, it does not cover everything. For instance, this type of insurance does not offer you coverage for things such as towing, rental reimbursement, and personal property.
Is it required?
Comprehensive insurance is an optional auto coverage, but this does not mean that you should skip out on this important coverage. Without this coverage, you alone would be responsible for any repairs that your car might need. Additionally, if you are financing or leasing your car, your lender might require you to carry this coverage anyway. So, while you are not required by law to have comprehensive insurance, you should seriously consider getting this important protection.
This is what you need to know about comprehensive insurance. Interested in adding comprehensive insurance to your auto policy? Then don’t hesitate to contact the experts at John Scott Insurance. Our dedicated team is ready to assist you with all your coverage needs today.