Inquiries about what comprehensive auto insurance is all about are common. People like to know not only what it is, but what it covers. The policy is in place to protect and help buyers in several ways. Having it aids in repairing or replacing your car during certain situations. For one, it is covered anytime a person’s car is damaged in a non-collision accident. If the vehicle is stolen, comprehensive insurance will also cover it.

When it comes to when it is vandalized or damaged by fire, it is generally covered. The same for instances when objects such as hail or a tree fall on it. Any person who owns a car has the option to purchase the policy for it. However, when the vehicle is leased or financed, lenders typically require that you purchase such policy. Overall, there are several benefits to having comprehensive auto insurance. It helps expand the protection of you and your vehicle in certain situations. For example, your vehicle is protected if your car is damaged by animals. It is covered against fire, vandalism and theft as well as natural disasters – such as tornadoes or hurricanes – and falling objects.

Another instance is if your car is destroyed during a riot or civil disturbance. These are many of the things comprehensive auto insurance protects you from. However, when your vehicle is damaged due to a collision, it is not covered. The same applies if you collide with another individual’s car and cause damage to it. Additionally, any medical expenses you or your passengers may incur after an accident are not covered.

People interested in purchasing comprehensive auto insurance need to be aware of these things. Plus, they also need to know about all the limits and deductibles as well. It is recommended that you find out or ask these or any questions before you purchase your policy. Answers can be obtained from your local provider or on their website. This will not only assure that you get the right coverage, but that you understand exactly what is covered.