What Does Comprehensive Insurance Cover?

Tempe drivers like to know that their cars are fully covered, which is why so many of them have comprehensive insurance coverage. But what is comprehensive coverage? Is it truly “comprehensive”? What does comprehensive auto insurance cover? What does it not cover? Do you need any other coverage if you have a comprehensive policy?  These are questions we hear all the time. Mercedes-Benz of Chandler of Chandler wants you to be fully informed so that you can make the right decisions about what insurance coverage is right for you, so we’ve put together this short and comprehensive guide.

What is Comprehensive Coverage?

Simply put, comprehensive coverage insurance coverage covers damage to your vehicle that is not caused by a collision. It will pay out for damage up to the total value of the car at the time of the accident.

What Does Comprehensive Auto Insurance Cover?

Comprehensive insurance coverage covers the following:

• Theft of your vehicle
• Damaged caused by severe Gilbert weather conditions, such as hail
• Fires and explosions
• Glass and windshield damage
• Vandalism
• Damaged caused by hitting an animal

What Does Comprehensive Insurance Not Cover?

Comprehensive insurance coverage will not cover the following:

• Damage caused to another person’s property in an accident in which you were at fault – you will need Liability insurance to cover this.
• Injuries or fatalities in an accident in which you were at fault – again, you will need Liability for this.
• Collisions with another vehicle where your own vehicle is damaged – you will need Collision coverage for this.
• If you owe more than what the car is worth, and the car is totaled at the time of the accident, Comprehensive coverage only pays for the total value of the car, not what is left on the loan. However, you can get Gap insurance to cover the difference.

It’s also worth noting that car insurance may follow either the car or the driver. Comprehensive insurance generally sticks with the vehicle, even if someone else happens to be in the driver’s seat. Visit our finance and insurance page for more information.

Still Have Questions? Ask the Finance and Insurance Experts at Mercedes-Benz of Chandler

If you’re still confused about what comprehensive insurance covers, don’t worry! Our friendly in-house finance managers would be more than happy to help you understand what comprehensive coverage is, and why you would need it.

While you’re here, take a look at our new vehicle specials. You can even apply for financing online. We’re just a short drive away from Phoenix, so stop in or contact us today!