Comprehensive car insurance is the type of insurance that covers any damage caused to your vehicle by accident or stolen, but the damages should not be because of the collision. It is also known as “other than collision” because it covers damage from theft, fire, accident, or something that fell on your vehicle like a tree. But, if any damage is caused because of the collision, Comprehensive car insurance will not cover that. This insurance does not cover any damages caused by collisions, be it a collision with another car or a collision with a fence. It will not be covered under Comprehensive Insurance as these are damages caused because due to collisions.
What is covered under comprehensive auto insurance:
Comprehensive insurance protects and covers your vehicle from any types of damages from fire, theft accidents. The damages should not be because of any collision. If the damage is because of a collision, it won’t come under comprehensive insurance. Below are some types of damage which comes under this insurance:
- Vandalism
- Theft
- Natural disasters like earthquakes, tornados, and more
- Any damage caused by animals
- Civil Disturbance, any damage caused to your vehicle due to riots
What Comprehensive car insurance don’t cover:
- Any damage because of collision
- Any damage to a third party vehicle cause due to a collision
- Any medical expenses after an accident
The above are a few of the points you should keep in your mind before buying auto insurance comprehensive. It is important to learn about insurance before purchasing, see what all is covered, and the limits of the insurance.
Car replacement insurance :
There are different types of insurances, and one of them is car replacement insurance. In which you can get your car replaced. It is the type of insurance that helps you replace your car if it gets stolen or your car gets any damages. So if you are looking for such type of insurance where you can replace your car, you can easily purchase car replacement insurance in Canada or different countries.
Difference between Comprehensive insurance and Collison insurance:
- Any damages other than collision is covered under Comprehensive, and any damage caused due to collision is covered under Collison insurance.
- Any damage caused to a third party vehicle or any medical bills for the driver or the third party is not covered under both of the insurances
Few points to keep in mind before buying Comprehensive Insurance:
- How old is your vehicle? Is it worth it now to take comprehensive insurance?
- How much will do you need to pay annually for this insurance. One should talk with their agents before buying any insurance.
- If you are financing or leasing, the vendor should have collision and comprehensive coverage till it is paid off.
The company offers different types of insurances to customers, but before purchasing a type of insurance, learn and research about that. Different countries have various types of insurance, like car replacement insurance in Canada. You can learn about other insurances policies, either online or ask the agents about all details before deciding to buy them.
Free Car Insurance Quote 