What does a fully comprehensive insurance cover?
Comprehensive car insurance – also known as fully comp cover – is one of the higher levels of protection you can get for your motor. Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own car is your own problem.
A third category of claim is called comprehensive, which can cover such things as theft, hail damage or a tree falling onto a vehicle. The typical comprehensive claim came to $1,585. But perhaps more importantly, the study found insurance companies raised rates after a single one of these claims by a modest 2 percent.
- Comprehensive. Comprehensive coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood; we pay for repairs (after you pay the deductible). We also cover damage caused by hitting an animal and theft (if your car gets stolen).
- The short answer is that the accident or ticket will stay on your record for three years, but the exact punishments you receive for your traffic violation depend on several factors, including: Your insurance company.
- Comprehensive Coverage. Comprehensive coverage pays to repair or replace a covered vehicle that's stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism and hitting an animal is covered.
Full Coverage Insurance. Keep in mind that full coverage insurance, meaning both collision and comprehensive insurance, is usually required if there is a lien holder on your vehicle, which means you are still paying for it. You can see above the differences between liability only and full coverage auto insurance.
- When you are shopping around for auto insurance, you will not find a policy that is specifically called full coverage auto insurance. While no policies are actually considered to be full coverage, this designation typically means that a policy includes liability coverage, comprehensive coverage and collision.
- A pothole damage claim is a single car accident, which is filed as an at-fault accident by your insurance carrier. Hitting a pothole is considered a collision. Your collision deductible will apply, and your rates could go up at your next renewal due to filing an at-fault claim.
- If you have collision coverage, it would also pay for damage caused by a driver without insurance or without enough coverage. In this situation, there's really only one advantage to uninsured motorist property damage coverage: It generally has a lower deductible than collision coverage.
According to Insurance Information Institute, drivers who have collision coverage are covered for damage caused by hitting an objects such as a guardrail, a tree, or pothole. You should check your policy for any exclusions that may preclude you from making such a claim.
- Your City Could Pay for Car Damage Caused by Potholes. But It Probably Won't. It's common to hear that if your car is damaged due to a pothole, you should file a claim to get the locality responsible for the road to cover the expenses.
- Road debris, a form of road hazard, is debris on or off a road. Road debris includes substances, materials, and objects that are foreign to the normal roadway environment. Debris may be produced by vehicular or nonvehicular sources, but in all cases it is considered litter, a form of solid waste.
- Uninsured motorist property damage coverage helps pay for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is not enough to cover the full amount of property damage losses incurred.
Updated: 2nd October 2019