Does Auto Insurance Cover Non-Collision Damage?
Even if you’re a very safe driver, an accident may happen at any time. That’s why it’s important to be protected with collision coverage as part of your auto insurance policy. If you are fault for an accident with another vehicle, object or structure, your policy will cover the cost of repairing your vehicle.
Collisions are not, unfortunately, the only way in which you can incur damages to your car. There are non-crash related problems that collision insurance does not cover. For this reason, it’s always wise to purchase comprehensive auto insurance coverage.
What Does Comprehensive Insurance Cover?
The term "comprehensive" is a bit misleading because it implies that this type of insurance covers every possible thing that can go wrong with your vehicle. A better term for this coverage might be "non-collision" insurance, because it is designed to provide coverage for certain events that happen to your vehicle aside from collisions.
Comprehensive auto insurance covers damages:
- If an engine fire damaged your car.
- If your car is vandalized (keyed, defaced by graffiti, etc.).
- If your car is damaged by hail.
- If your windshield is damaged by a flying object or anything else comprehensive insurance will pay to repair or replace the glass (often at no cost to you).
- If you hit a deer on the roadway, the auto insurance carrier will pay for the necessary repairs to your vehicle.
- If a wind storm blows down a tree limb atop your car, comprehensive auto insurance will pay for the necessary repairs.
- If your vehicle is water damaged inside or outside due to a flash flood, comprehensive insurance will pay for necessary repairs.
- If a tornado picks up your car and tosses it into a building, the insurance will pay for any necessary repairs.
- If your car is stolen, comprehensive insurance will reimburse you for the value of your vehicle.
- If your car is totaled by almost anything other than a collision, comprehensive auto coverage will reimburse you for the actual cash value of your vehicle.
How Does Comprehensive Insurance Work?
Every comprehensive auto insurance policy comes with a deductible (usually anywhere from $250 to $1,000). This is the amount of money that you are responsible to pay after you file a claim for any of the aforementioned repairs. For example, if your auto repair bill from a telephone pole falling on your vehicle came out to $5,000 and your deductible was $250, the insurer would pay $4,750 and you would be responsible for the deductible amount.
If your vehicle is stolen or totaled because of a non-collision incident, comprehensive insurance will reimburse you for the value of your vehicle. Value is based on depreciation, mileage driven, age of the vehicle, and other factors. It does not represent what you owe on your auto loan or what you paid for the vehicle when you bought it. (For this reason, you may want to consider buying gap insurance as well.)
One of the greatest benefits of having comprehensive auto insurance is that you won’t be being left without a working vehicle for any considerable length of time.
AIS Can Help You Find Affordable Comprehensive Auto Insurance
Usually, comprehensive coverage is only a small addition to your premiums, but this inexpensive policy acts as a solid investment that protects you from out-of-pocket expenses.
At Auto Insurance Specialists, we will present you with multiple auto insurance quotes that include comprehensive insurance at different levels of coverage. You choose the amount of protection you need with a policy that's right for you. We'll make sure you stay protected.