South Carolina Car Accident Attorneys

Questions and answers about car accidents and insurance

What does comprehensive coverage actually cover?


Comprehensive coverage helps pay to repair or replace your car if it’s stolen or damaged by something other than a collision. Comprehensive typically helps cover theft and damage from vandalism and natural disasters, falling objects, fire, hail, flood or animals.

Is comprehensive insurance cheaper than full coverage?

Full coverage is more expensive because it includes liability coverage plus collision and comprehensive coverage, which protect you against damage to your car in most types of accidents.

What is not covered in comprehensive car insurance?

What damage is not covered by comprehensive coverage? Comprehensive coverage does not cover damages caused by hitting another vehicle or object. These incidents are covered under collision coverage. It will also not cover normal wear and tear on your vehicle.

Is it better to have collision or comprehensive?

Collision and comprehensive coverage are important supplements to liability insurance: Collision coverage pays for your vehicle’s damage if you hit an object or another car. Comprehensive insurance pays for non-crash damage, such as weather and fire damage.

What does comprehensive coverage actually cover? – Related Questions

When should you decline collision coverage?

If you’re wondering when to drop collision insurance, you’ll want to consider the actual cash value of your car and your monthly budget. If the amount you pay for premiums is high and your car is cheap to repair or replace, canceling collision coverage may be a cost-effective decision.

What collision deductible should I get?

Consumer advocates typically recommend a $500 collision deductible unless you have substantial savings on hand. Deductibles are due per incident, so you will have your deductible amount due each time a collision claim is made.

What is the difference between comprehensive and collision coverage?

Quick take: What’s the difference between comprehensive and collision? Comprehensive provides coverage for events outside your control that are not caused by a collision, like weather, vandalism and theft. Collision coverage is for damage resulting from an accident with another vehicle or object.

What is the difference between comprehensive and collision?

If you hit another car or a stationary object like a telephone pole (or if you roll over), you’ll be covered by collision insurance. If an animal or a non-stationary object such as a falling tree hits your car or it’s damaged by vandalism, fire or a natural disaster, you’ll be covered by comprehensive insurance.

What is a good comprehensive deductible?

Typically, insurance agents recommend that your comprehensive deductible be between $100 and $500. Comprehensive claims tend to be filed for less damage than collisions, so having a lower deductible is often logical.

Is comprehensive full coverage?

What is comprehensive car insurance? In a nutshell, comprehensive car insurance cover – sometimes known as fully comprehensive cover, pays out if you damage your car, someone else’s car or injure someone in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.

Does fully comp mean I can drive any car?

Can I drive another car with comprehensive insurance? Just because you have comprehensive car insurance doesn’t automatically mean that you can drive another person’s vehicle. Some providers allow you to do so, while others might claim in the small print that you won’t be covered.

Can I drive someone else’s car if I’m fully comp?

No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.

Who can drive a fully comprehensive car?

There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it. This type of car insurance is far less common, as most people only have one, or a few, named drivers added to their existing policy.

Will my insurance cover me if I drive someone else’s car?

Does My Car Insurance Cover Me When Driving Another Vehicle? If you’re specifically listed on the car owner’s insurance policy, you’ll be covered when driving that car – even if it’s not your own.

How does comprehensive car insurance work?

Comprehensive cover is the most extensive form of car insurance you can take out. It covers the repair or replacement costs if your car is damaged by fire, theft, accidental damage, or certain weather events. It also covers damage to another person’s vehicle or property if you’re at fault.

What does comprehensive insurance mean?

Comprehensive insurance is a car insurance policy that covers certain damages to your vehicle that are not caused by a collision with another car. It is required on leased vehicles, and on vehicles that are currently being paid for by a loan.

What are the advantages of comprehensive car insurance?

Comprehensive Car Insurance gives you cover for damage to your car and damage caused to other vehicles and property, as well as cover for theft, fire and malicious damage.

Do comprehensive claims raise rates?

WalletHub, Financial Company

Yes, comprehensive claims affect insurance in most states, though the rate increase is usually small because comprehensive claims are not related to the policyholder’s driving. Insurance companies generally raise rates after comprehensive claims in order to recoup the cost of the claim.

Is comprehensive insurance worth it for an old car?

While the rule for older cars was to drop comprehensive coverage after six years or 100,000 miles, modern cars last longer and cost more to repair. Most experts now recommend keeping comprehensive insurance on your car if 10 percent of the car’s market value minus the deductible exceeds the premium cost.

How long should you keep full coverage on a car?

You should hold on to full-coverage auto insurance until your annual premium meets or exceeds the estimated payout if your car needs to be repaired or replaced. If your car is five or six years old, the payout for replacement probably isn’t worth what you pay in premiums.


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