What Does Comprehensive Auto Insurance Cover?

Insurance Agent Examining Car After Accident

Comprehensive insurance coverage is important to consider when buying a new car. What is comprehensive coverage? Comprehensive insurance coverage protects your car from damage not caused by an accident. So, if your car is lost, stolen, or vandalized around Minneapolis, then comprehensive insurance should have you covered. 

Take a look at what else is covered with comprehensive insurance with the finance center at Jaguar Richfield Certified Pre-Owned & Service. 

What Does Comprehensive Insurance Coverage Look Like?

We touched on what comprehensive coverage is and briefly mentioned what it covers, but let’s take a closer look at how this type of insurance can keep your new or pre-owned vehicle protected. What does comprehensive auto insurance cover? Here’s how you can be protected under this insurance: 

  • Theft
  • Glass damage
  • Vandalism 
  • Fire damage 
  • Explosions
  • Falling objects 
  • Storm damage
  • Hail damage
  • Flood damage 
  • Lightning 
  • Earthquakes
  • Hitting an animal

What Is the Comprehensive Insurance Coverage Process?

Hopefully, you have a better idea of what comprehensive auto insurance covers, but you might be wondering how exactly the process works. If something happens to you around St. Paul, here’s how you can expect the comprehensive insurance coverage process to work: 

  • Car Receives Damage: For this example, let’s assume your car was damaged by a thunderstorm, and the repairs are estimated to be around $6,000. 
  • Insurance Claim Is Filed: You’ll want to contact your insurance provider and file a claim to report the damage. 
  • Vehicle Is Repaired: If the insurance will cover the damage to your car, then the amount you’ll pay out of pocket will depend on what your deductible is. If you have a $1,000 deductible, then you’ll pay $1,000 out of pocket. The insurance will then cover the remaining $5,000 for the repairs. 

What Is Comprehensive Coverage vs. Collision Coverage Like?

It’s common for Edina drivers to think that comprehensive coverage and collision coverage are the same thing. But, these types of coverage are significantly different: 

  • Collision Insurance Coverage: Covers damage caused by a car accident
  • Comprehensive Insurance Coverage: Covers events not caused by a car accident 

Basically, if your car wasn’t damaged in a car accident and was caused by something out of your control, then the car should be covered by comprehensive insurance. If you’ve found this guide helpful, don’t forget to check out our additional car-buying tips on our website. 

Keep Your Car Protected in Richfield!

Contact us to learn more about comprehensive insurance coverage and how it can help you drive with better peace of mind. We’ll go over all of your insurance options and help you pick the policy that makes the most sense to you!

 

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