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Steffey Insurance > News  > Understanding Comprehensive Coverage

Understanding Comprehensive Coverage

Broken windshield and other glass are typically covered under the comprehensive coverage portion of an auto insurance policy.  Comprehensive generally provides coverage for physical damage to your vehicle caused not by a collision with another vehicle, but by a variety of other special perils. This type of coverage is optional in many states, but when purchased, it will raise your premium and usually carry a deductible. Also, if you have a leased vehicle you may be required to carry this coverage by the lien holder on your vehicle.

Most people don’t really understand the value of comprehensive coverage on a vehicle. Here are some examples of damages that would be covered by comprehensive coverage: Comprehensive coverage pays to repair or replace (ACV) your vehicle in the event of Fire, Theft, Vandalism, Windstorm, Collision with an animal, Glass breakage and Falling objects.

When choosing a deductible for comprehensive coverage, it would be wise to choose a low deductible like $250 as this is the amount you will have to pay out of pocket before the Insurance Company will pay out.

Last but not least, comprehensive and collision coverage make up the physical damage portion of your auto insurance policy, remember you can choose comprehensive coverage alone without Collision coverage, but you always have to carry comprehensive coverage when collision coverage is present. Hopefully, this helps you understand comprehensive coverage a bit better.

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Steffey Hatoway
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