What Does Comprehensive Insurance Cover?

2022 Porsche Cayenne E-Hybrid

What does comprehensive auto insurance cover? If it’s time to bring that new car home to Nashua, it’s something you’ll want to know. Comprehensive auto coverage protects against damage to your car that doesn’t come about from a collision. That means if your vehicle has been lost, stolen, vandalized, or hit by a falling object, drivers can make a comprehensive claim to get their insurance company to pay for it. Most of the time, comprehensive auto insurance will also cover windshield issues and other forms of glass damage. Let Porsche Stratham educate Portsmouth drivers on what comprehensive auto insurance covers in this finance and insurance guide!

What is Comprehensive Coverage?

Let’s go into more detail on what comprehensive auto insurance covers. The insurance details for each specific plan vary by provider, but you can generally expect the following with comprehensive auto insurance:

  • Vehicle theft
  • Windshield/glass damage
  • Vandalism, fire, explosions
  • Falling objects like trees
  • Storms, wind, hail, floods, lightning, earthquakes
  • Hitting a deer/other animal-related accidents

Keep in mind that if you swerve to avoid hitting a deer on the road and end up hitting a car or a tree as a result, this would be something that falls under regular collision insurance instead.

How Does Comprehensive Insurance Coverage Work?

This is how comprehensive insurance coverage works:

  1. Your car incurs covered damage. For example’s sake, let’s say an earthquake causes $5,000 worth of damage to your vehicle.
  2. You file an insurance claim. You’ll have to file a claim in order to get coverage. This depends on your provider, but in most cases, you can file online, by phone, or via a mobile app.
  3. You take your vehicle in for repairs. If you’ve got a $1,000 deductible, you’ll have to pay $1,000 out of pocket for the damage and your insurer will pay out $4,000 to cover the rest.

Comprehensive vs. Collision Insurance

What is comprehensive coverage compared to collision coverage? A lot of drivers in Manchester get them mixed up. Put simply:

  • Collision insurance specifically covers car accidents
  • Comprehensive insurance covers events that are outside of your control

Porsche Stratham Has Your Finance Needs Met

If you’re ready to learn more about comprehensive insurance coverage or still have questions like “what does comprehensive auto insurance cover?” we’ve got a team that can help! Contact us on our web form today and have Porsche Stratham answer your every question.


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