Comprehensive auto insurance cover is a crucial component of automobile insurance, providing coverage for damages to your car from various non-collision causes.

Unlike collision insurance, which covers accidents involving other vehicles or objects, comprehensive insurance protects against a wider range of risks.

Let's delve deeper into what comprehensive insurance entails, what it covers, and its advantages and disadvantages.

What Is Comprehensive Auto Insurance Cover?

Comprehensive auto insurance cover is an essential part of an automobile insurance policy, along with collision insurance and liability insurance.

While liability insurance is typically mandatory, comprehensive and collision insurance are optional for vehicle owners, especially those who own their vehicles outright.

However, if you've financed your vehicle, the auto loan company may require you to have comprehensive insurance.

What Does Comprehensive Auto Insurance Cover?

Comprehensive auto insurance covers damages to your vehicle caused by various factors, including:

Contact with animals, such as hitting a deer
Natural disasters like earthquakes, floods, and hurricanes
Fire
Riots and vandalism
Vehicle theft or theft of certain parts
Broken windshields
Fallen objects like branches, rocks, or hail
Comprehensive Insurance vs. Collision Insurance

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