What Does Comprehensive Auto Insurance Cover?

If you are shopping around for a new car in Los Angeles, you have a lot to consider. Not only do you need to find a vehicle that checks all the boxes on your list and falls within your budget, but you also need to make sure it is properly insured.

What is comprehensive coverage? Comprehensive insurance coverage protects your car against damage that was not caused by a collision. For example, if your vehicle is lost, stolen, vandalized, or hit by a falling object, comprehensive insurance coverage is there to help. For most Marina Del Rey drivers, comprehensive auto insurance will also cover a cracked or broken windshield. We explore the basics of comprehensive insurance coverage below.

What is Comprehensive Coverage?

So, what does comprehensive auto insurance cover? While insurance details may vary by provider, the following are typically covered:

• Vehicle theft
• Windshield/glass damage
• Vandalism, fire, explosions
• Falling objects like trees
• Storms, wind, hail, floods, lightning, earthquakes
• Hitting a deer/other animal-related accidents

How Does Comprehensive Insurance Coverage Work?

Now that you know what’s covered by a comprehensive insurance plan in Malibu, let’s explore how this type of coverage actually works.

1. Your car experiences covered damage: For purposes of this example, we’ll say that a flood causes $5,000 worth of damage to your vehicle
2. You file an insurance claim: You file a claim with your insurance provider either online, by phone, or via a mobile app.
3. Have your vehicle repaired: If you have a $1,000 deductible, you’ll be on the hook for that amount. In the case of the $5,000 flood damage example, your provider will cover the remaining $4,000 worth of damage.

Comprehensive vs. Collision Insurance

Do you know the difference between comprehensive coverage and collision coverage? What sets the two apart is the fact that they cover different events.

• Collision insurance specifically covers car accidents
• Comprehensive insurance covers events that are outside of your control

Contact the Team at Land Rover Santa Monica

If you have additional questions about comprehensive insurance coverage, we encourage you to reach out to our experts. We would be happy to answer any questions you may have so that you get the right amount of coverage to meet your needs.