Comprehensive

Comprehensive insurance covers loss or damage to your vehicle by most causes except those covered by Collision insurance.

What it covers

For example, Comprehensive insurance covers vehicle damage or loss from:

• fire
• theft (except by an employee or member of your household)
• vandalism
• falling or flying objects, including rock or gravel damage to your windshield
• malicious mischief
• lightning
• windstorm
• earthquake
• hail
• impact with animals
• missiles
• riot
• civil commotion
• rising water
• the stranding, sinking, burning, derailment, or collision of a conveyance transporting the vehicle on land or water

It does not cover loss or damage to:

contents of any vehicle other than some contents of a motor home
tires, unless stolen or if the damage is a result of one of the losses listed above
any part of the vehicle as a result of mechanical breakdown, rust, corrosion, wear and tear, freezing or explosion within the combustion chamber - unless the damage is caused by one of the losses listed above

Effect on your discount

Claims made under your Comprehensive coverage do not affect your discount on the Claim-Rated Scale.

Cost

Because Comprehensive insurance deals specifically with vehicle damage, the type of vehicle you drive will affect the premium you pay, along with where you live. And of course, your standing on the Claim-Rated Scale will determine whether you get a discount or pay a surcharge on the base premium for the coverage.

Deductible

Your deductible is the amount of money you have to pay before your insurance kicks in to pay for the rest of the repairs. Deductibles can vary from $300 to $2,500 for Comprehensive insurance on regular vehicles.

Except for windshield claims, the minimum deductible for Comprehensive coverage is $300.

The lower your deductible, the higher your premium. The higher your deductible, the lower your premium.

You have to decide how much you can afford to pay for repairs if you do have a claim, versus how much you want to pay for your premiums.

Windshield claim deductible

For windshield damage claims due to flying objects such as flying rocks or gravel, the minimum deductible is $200 (when the minimum Comprehensive deductible is purchased).

Loss of Use coverage

Comprehensive coverage includes Loss of Use coverage only if your vehicle is stolen (as long as your vehicle is not a taxi, limousine-use or u-drive vehicle).

Your agent will tell you how to proceed if you have a claim.