Auto insurance comprehensive coverage is sometimes called “all other” because it is a catch-all for other-than-collision damage to your vehicle. While it is important to note any exclusions that apply, if your policy does not specifically exclude coverage for damage to your vehicle and it is not the result of a collision, it can likely be covered under comprehensive.
While collision provides a large amount of coverage, there are many causes of damage or loss than are not the result of a collision, such as theft, fire, water, or even unique accidents like spilling hair dye on your seats. Comprehensive coverage works exactly like collision, in that your chosen deductible applies to the cost of repairs. The deductible for comprehensive is generally lower than collision, although this is your choice as well.
What is considered a comprehensive loss differs between some companies, as many consider hitting an animal covered by comprehensive as opposed to collision coverage. Most companies include flying object and explosions as covered under comprehensive, as well. A good example of there is a tire in the road. If a tire is lying unmoving at the side of the road and your vehicle strikes it, this will likely be considered a collision loss since your vehicle collided with an object that wasn’t moving. If a tire flies off the truck in front of you and strikes your car, this will likely be considered a comprehensive claim since the object was hurled independently toward you. Obviously, each accident carries its own unique circumstances, but this is a general rule to know.
Having comprehensive coverage is a safe way to ensure that your vehicle is covered against weather, theft, vandalism, and any other concern that could cause damage or loss to your vehicle.
KSA Insurance Agency provides the Virginia, Maryland and Washington DC area with insurance options that fit your needs and budget.
