{"id":2449,"date":"2023-01-08T15:54:00","date_gmt":"2023-01-08T21:54:00","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/what-is-comprehensive-car-insurance\/"},"modified":"2025-08-27T10:04:26","modified_gmt":"2025-08-27T15:04:26","slug":"what-is-comprehensive-car-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/what-is-comprehensive-car-insurance\/","title":{"rendered":"What Is Comprehensive Car Insurance and What Does It Cover?"},"content":{"rendered":"\n<p><span data-contrast=\"none\">The overarching benefit of auto insurance is to provide financial protection against the unknown. Whether you drive a car, a truck, or a van,\u202f<a href=\"https:\/\/www.thegeneral.com\/blog\/do-i-need-comprehensive-collision\/\" target=\"_blank\" rel=\"noopener\">comprehensive car insurance<\/a>\u202fcan cover your vehicle in the event of an unforeseen emergency. Although adding comprehensive car insurance is recommended, it\u202fcan drive the price of your insurance premiums higher.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">What does comprehensive car insurance cover?\u202fMore importantly, is\u202fcomprehensive coverage\u202fthe right decision for your auto insurance plan? Learn what comprehensive car insurance is so you can make <a href=\"https:\/\/www.thegeneral.com\/blog\/how-much-should-i-pay-for-car-insurance\/\" target=\"_blank\" rel=\"noopener\">the right decision for your budget<\/a>.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-comprehensive-car-insurance\"><b>What Is Comprehensive Car Insurance?<\/b><\/h2>\n\n\n\n<p><a class=\"Hyperlink SCXW40843559 BCX0\" href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/#difference-car-and-collision-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW40843559 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW40843559 BCX0\" data-ccp-charstyle=\"Hyperlink\">Comprehensive auto insurance<\/span><\/span><\/a><span class=\"TextRun SCXW40843559 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW40843559 BCX0\">\u202fis designed to help you pay for damages to your vehicle <\/span><span class=\"NormalTextRun SCXW40843559 BCX0\">that <\/span><span class=\"NormalTextRun SCXW40843559 BCX0\">aren\u2019t<\/span> <span class=\"NormalTextRun SCXW40843559 BCX0\">caused by an accident, including theft, fire, storms, vandalism, or hitting an animal. It is <\/span><span class=\"NormalTextRun SCXW40843559 BCX0\">an option<\/span><span class=\"NormalTextRun SCXW40843559 BCX0\"> available with all major auto insurance carriers.<\/span><\/span><span class=\"EOP SCXW40843559 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.thegeneral.com\/going-places\/wp-content\/uploads\/2024\/11\/Comprehensive-Car-Insurance-The-General.jpg\" alt=\"Graphic - definition of comprehensive car insurance\" class=\"wp-image-2637\"\/><\/figure>\n\n\n\n<p><span data-contrast=\"none\">The biggest advantage of\u202fcomprehensive car insurance\u202fis that it covers unusual situations that you may not be able to afford out of pocket. For instance, if another car were to kick up a rock that hits your windshield, causing a chip or crack,\u202fcomprehensive car insurance\u202fmay cover your windshield replacement. Or, if you are driving down a rural road and a deer jumps in front of you and hits your car, comprehensive coverage could help you cover the resulting damages.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">While the name suggests that\u202fcomprehensive coverage\u202fwill cover anything that could go wrong, it isn\u2019t a \u201cget out of trouble free\u201d card. Like our previous example, if a deer were to hit your car, some comprehensive car insurance policies may only cover the damage to your vehicle. If you were to potentially run off the road and hit a fence, other benefits\u2014like collision or property damage coverage\u2014would likely be necessary to pay for the resulting damage.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-comprehensive-car-insurance-work\"><b>How Does Comprehensive Car Insurance Work?<\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Before <a href=\"https:\/\/www.thegeneral.com\/blog\/how-the-car-insurance-claims-process-works\/\" target=\"_blank\" rel=\"noopener\">filing a claim<\/a>, it\u2019s important to understand which situations may qualify under\u202fcomprehensive coverage. In most situations, your comprehensive car insurance could cover damages or losses as a result of:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Natural disasters (such as tornadoes, hailstorms, or hurricanes)<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Theft from your vehicle<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Vandalism to your vehicle<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Falling objects that land on your vehicle<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Damage caused by animals<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"none\">When you start a\u202fcomprehensive car insurance\u202fclaim, it\u2019s important to determine the root cause of the damages. For example, If you were to leave a purse or wallet in your vehicle and a robber were to break a window and steal it, you may be able to file a comprehensive claim for the replacement of both the wallet and any personal items stolen.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">In addition, if your vehicle is parked in your garage and your water heater catches fire, your homeowner\u2019s insurance may cover the damages to your structure, but\u202fcomprehensive car insurance\u202fwould cover the damage to your car, such as paint loss or interior damages.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">When you file a claim on your\u202fcomprehensive coverage, you will be required to pay your\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/making-sense-of-your-car-insurance-deductible\/\"><span data-contrast=\"none\">car insurance deductible<\/span><\/a><span data-contrast=\"none\">,\u202for the amount of damages you are responsible for. Deductibles can range from $0 to $1,000 or more, depending on which level of coverage you select. While a higher deductible can reduce your monthly car insurance premium, a lower deductible means you would pay less out of pocket in the event of an incident. As you<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/buy-car-insurance-online\/\"><span data-contrast=\"none\">\u202fshop online for car insurance<\/span><\/a><span data-contrast=\"none\">, it\u2019s important to determine the balance between how much you could afford per month compared to how much you could pay to have your car repaired.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comprehensive-car-insurance-vs-collision-insurance-what-is-the-difference\"><b>Comprehensive Car Insurance vs. Collision Insurance: What is the Difference?<\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">While they cover similar situations,\u202fcomprehensive car insurance\u202fcovers a very different set of circumstances than collision insurance. Both are designed to help you financially recover from unforeseen accidents, but in drastically different ways.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Unlike\u202fcomprehensive car insurance, <a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-collision-insurance\/\" target=\"_blank\" rel=\"noopener\">collision insurance<\/a> is designed to cover your vehicle in the event of an accident. Collision insurance benefits may cover you if you end up hitting something while driving \u2013 including another driver, a tree, or another stationary object. Collision coverage could pay for repairs to your vehicle resulting from the crash, or potentially pay for a replacement if<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/totaled-car-after-an-accident\/\"><span data-contrast=\"none\">\u202fyour vehicle is \u201ctotaled.\u201d<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">However, collision coverage isn\u2019t designed to protect you from damages caused by animals \u2013 even if you were to run into a deer or boar. If striking an animal while driving results in a smashed front end or a broken windshield,\u202fcomprehensive car insurance\u202fwould likely help you pay for repairs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Comprehensive auto insurance\u202fcould also help you recover from other things hitting your car. Let\u2019s say a major storm comes through, and a large limb from a tree hits your vehicle, breaking the windshield and denting the hood. Even though the tree branch \u201ccollided\u201d with your car, collision insurance won\u2019t help you pay for the damages. In this situation, if you did not have\u202fcomprehensive insurance, you could be left paying for repairs on your own.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-comprehensive-car-insurance-mandatory\"><b>Is Comprehensive Car Insurance Mandatory?<\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Although most states require drivers to maintain a minimum level of <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\"><span data-contrast=\"none\">liability insurance<\/span><\/a><span data-contrast=\"none\">,\u202fcomprehensive coverage\u202fisn\u2019t usually included. Because comprehensive car insurance only covers what could go wrong with your car, most state governments will not require you to add it to your insurance plan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">However, that doesn\u2019t mean that you shouldn\u2019t buy\u202fcomprehensive car insurance, or that you won\u2019t be obligated to hold insurance. If you are buying your vehicle with a car loan or are leasing a car, your financial institution company may not finalize funding until you add\u202fcomprehensive coverage\u202fand collision coverage. If you fail to do so within 30 days, your loan could be canceled, or the lienholder could add extra insurance to your loan and force you to pay the difference.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">In any event,\u202fcomprehensive coverage\u202fis always a good option to add to your auto insurance policy. Under certain conditions, it can help you keep your car looking new and functioning well over time, potentially giving you a better return on your vehicle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-should-i-get-comprehensive-car-insurance\"><b>When Should I Get Comprehensive Car Insurance?<\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you are on the fence about <a href=\"https:\/\/www.thegeneral.com\/blog\/compare-car-insurance-quotes\/\" target=\"_blank\" rel=\"noopener\">purchasing<\/a>\u202fcomprehensive car insurance, consider the current condition of your vehicle and any future repair plans. As you make decisions on what to add to your overall vehicle insurance coverage, consider the following situations:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b><span data-contrast=\"none\">Am I financing my vehicle?\u202f<\/span><\/b><span data-contrast=\"none\">If you are planning to take out a loan to pay off your car, your lienholder will require you to carry\u202fcomprehensive car insurance\u202fon your vehicle. There\u2019s no way around it \u2013 if a financial institution holds your title, you will need to have\u202fcomprehensive car insurance.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">How new is my vehicle?\u202f<\/span><\/b><span data-contrast=\"none\">Even though you may not be financing your vehicle, it\u2019s still important to consider age as part of your decision to purchase\u202fcomprehensive coverage. If you have a newer car and are planning on driving it for a long time, adding\u202fcomprehensive auto insurance\u202fcould help you keep your car in good physical condition, no matter what happens. On the other side, if your car is <a href=\"https:\/\/www.thegeneral.com\/blog\/cheaper-to-insure-old-or-new-car\/\" target=\"_blank\" rel=\"noopener\">older<\/a>, depreciated, or you are considering replacing it soon, you may be able to save money by dropping comprehensive coverage from your insurance plan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">What kind of vehicle do I own?\u202f<\/span><\/b><span data-contrast=\"none\">Depending on what kind of vehicle you drive daily, you may need\u202fcomprehensive coverage\u202fwithout even knowing it. Luxury cars and luxury SUVs often have the highest number of claims for theft, glass damage, and other incidents. If you own a vehicle that is targeted more frequently than others, you might benefit in the long run with the right comprehensive auto insurance plan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Is my car parked inside a garage or outside?\u202f<\/span><\/b><span data-contrast=\"none\">If you park your car in a garage every night, you have an additional layer of protection against the unexpected. Conversely, if you park your car outside every night, you have an additional risk of damage from animals, or even worse, break-ins from thieves. Even if you think it could never happen,\u202fcomprehensive coverage\u202fcould help you pay for broken windows and anything taken during a break-in.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Do I live in a place with seasonal weather concerns?\u202f<\/span><\/b><span data-contrast=\"none\">Without warning, natural disasters like earthquakes, tornadoes, and hurricanes can tear through your region, leaving a path of destruction in their wake. Even if the disaster causes something to hit your car, collision insurance may not help you put the pieces back together. If you live in an area that has a reasonable risk of damages, like seasonal hurricanes,\u202fcomprehensive coverage\u202fcould prove to be a good value when it comes time to make repairs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"http:\/\/www.thegeneral.com\/quote\/\"><img decoding=\"async\" src=\"https:\/\/www.thegeneral.com\/going-places\/wp-content\/uploads\/2024\/11\/Cheap-Car-Insurance-Companies-Online.png\" alt=\"\" class=\"wp-image-4286\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-the-best-comprehensive-car-insurance-from-the-general\"><b>Get the Best Comprehensive Car Insurance from The General<\/b><\/h3>\n\n\n\n<p><span class=\"TextRun SCXW144291821 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW144291821 BCX0\">If\u202fcomprehensive coverage\u202fis right for you, it\u2019s important to get it from a partner you can trust. Start your auto insurance shopping by<\/span><\/span><a class=\"Hyperlink SCXW144291821 BCX0\" href=\"https:\/\/www.thegeneral.com\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"NormalTextRun SCXW144291821 BCX0\"><span class=\"NormalTextRun SCXW144291821 BCX0\" data-ccp-charstyle=\"Hyperlink\">\u202fgetting a quote from The General<\/span><\/span><\/a><span class=\"TextRun SCXW144291821 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW144291821 BCX0\">. For over 50 years, we\u2019ve covered thousands of Americans with quality insurance at a price they can afford. No matter what your needs are, The General can help you find the right level of coverage and keep you moving forward.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn what comprehensive car insurance is and what it covers with The General. Comprehensive car insurance covers damage to your car from events that are out of your control, like hail or theft.<\/p>\n","protected":false},"author":7,"featured_media":2451,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comprehensive Car Insurance: What It Is and What It Covers | The General<\/title>\n<meta name=\"description\" content=\"Learn what comprehensive car insurance is and what it covers with The General. 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