Comprehensive Car Insurance

If your car is stolen or damaged by something other than a collision, with either a car or an object, comprehensive car insurance coverage will reimburse you.

What does this mean? If your car is damaged in the following ways you are covered by comprehensive car insurance:

  • Fire
  • Earthquake
  • Flood
  • Windstorm
  • Hail
  • Tornado
  • Falling objects
  • Missiles
  • Explosions
  • Vandalism
  • Rioting
  • Contact with animals

You were driving down the highway. A truck was in front of you. It kicked up a stone and you received a crack in your windshield? Comprehensive car insurance coverage is usually what pays for these kinds of windshield repairs. You were coming home from the cottage and you hit a deer. Comprehensive car insurance will cover the repairs - but not vet bills for the deer.

Be aware that some car insurance companies may have special provisions in areas which are hard-hit by natural disasters. This may require you to obtain a special rider for some kinds of damage. This will also increase the cost.

There is no set government legislation requiring comprehensive car insurance coverage on vehicles. However, if you buy a new car most banks will require that you have this comprehensive car insurance coverage as a stipulation of your car loan or lease.

Don't forget to check out the reduce auto insurance cost, discount car insurance, car insurance medical, auto insurance collision, liability insurance, comprehensive car insurance, uninsured & underinsured, auto insurance cost, and how much insurance should I carry guides and click on the links above for auto insurance companies.

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