Active Question

1. What is Comprehensive Coverage?
   

   What does comprehensive auto insurance cover? What comprehensive coverage should all car owners carry?

   Tags: Basehor, KS, car owners, auto insurance, insurance

   Answer Question

   You can add Links | Picture | YouTube Videos to your answer.

   Send me new questions in Insurance Submit Answer

   Please Log In or Sign Up to answer this question
   0

   0

   Show me another question! | Report Abuse

   Asked by woodward732002 from Collinsville, IL
   Answered 15 years ago.

2 Answers

1. 
   Comprehensive Physical Damage — Pays for damage to your car that is not the result of an auto accident, such as theft, vandalism, fire, hail, natural disasters, hitting an animal, etc. Comprehensive coverage also requires a deductible, and will only pay as much as the car was worth before sustaining the damage.
   1

   0

   Report Abuse

   Answered by Basehor Wellness Center 21980 168th St, Basehor, KS, 66007, 913-669-7911 (Novice with 2 pts.)

   Answered 15 years ago.

2. 
   Usually on an auto policy, you have three components:
   
   Liability - cover damage (Physical damage) and injury (Personal Injury) to others.
   
   Comprehensive - Damage to your vehicle for things like weather (i.e. hail damage, wind, falling tree limbs), vandalism and malicious mischief (self explanatory), acts of God, etc.
   
   Collision - Cover damage to your vehicle when you collide with something (rocks, sign posts, objects on the road, another vehicle, etc.).
   
   Most policies always require you to carry Comp AND Collision, especially if the vehicle is financed and required by the lender.
   
   For older vehicles, especially those with a small Blue Book value, it is better to just carry Liability.
   
   Hope this helps.
   
   Andy
   1

   0

   Report Abuse

   Answered by Risk Analysis and Administration Services, Inc. 7250 Perkins Road #427 Baton Rouge, LA, Baton Rouge, LA, 70808, 504-421-9538 (Novice with 10 pts.)

   Answered 15 years ago.