What Does Comprehensive Insurance Cover?

Your vehicle is a major investment, and you want to protect that investment for as long as possible. It’s no surprise that many Orange County and Aliso Viejo drivers are interested in comprehensive insurance coverage. What is comprehensive coverage, and what does comprehensive auto insurance cover? Comprehensive auto coverage protects against damage to your car that is not due to a collision. We dive into the details of comprehensive coverage below. 

What is Comprehensive Coverage?

So, what is comprehensive coverage? While coverage can vary based on your provider in the Mission Viejo area, it generally includes the following: 

• 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

How Does Comprehensive Insurance Coverage Work?

Now you have the answer to the question, “What does comprehensive insurance cover?” You may also be wondering how this type of auto insurance works. Here’s an example: 

1. Covered damage occurs: For purposes of this example, we’ll imagine that an earthquake led to vehicle damage totaling $5,000. 
2. A claim is filed: In order to receive coverage, you must file a claim with your provider. In most cases, you can file online, by phone, or via a mobile app.
3. Your vehicle is repaired: If you have a $1,000 deductible, this is all you are responsible for out of pocket. The remaining $4,000 is covered by your comprehensive insurance plan. 

Comprehensive vs. Collision Insurance

What is the difference between comprehensive coverage and collision coverage? While both are designed to protect your vehicle, each option covers something different. See how the two compare below: 

• Collision insurance covers car accidents specifically. 
• Comprehensive insurance protects you against events that are outside of your control. 

Turn to the Experts at Mercedes-Benz of Laguna Niguel

If you have additional questions about comprehensive insurance coverage, do not hesitate to reach out to the finance experts at Mercedes-Benz of Laguna Niguel. We would be more than happy to explain your insurance options and help you choose the coverage that best suits your needs and budget. We want you to be able to drive with complete peace of mind in Laguna Niguel and beyond.