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Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps. Read on to learn basic information about what it is and what it covers – and start your free online quote today. What is comprehensive insurance? Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected. It is typically purchased in addition to the liability insurance that's required by most states to drive legally. What does comprehensive insurance cover? Comprehensive car insurance coverage pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy. A comprehensive car insurance policy may include coverage for:
A cracked or broken windshield, depending on the state in which you live Damage from hitting a deer or other animal Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism Damages caused by some events outside of human control, such as hail or other natural disasters Damage caused by certain falling objects, such as tree branches or debris Damages resulting from fires, civil commotions or explosions Add endorsements to your comprehensive auto insurance for even more protection It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as: Adjust your comprehensive car insurance to fit your needs Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade.