In the United States, motorists are required to carry liability insurance on any vehicle they drive on public roads. This covers the auto owner should an auto accident occur that is his fault and another motorist or person is hurt or has extensive damage to his vehicle. However, there are other ways that a car can become damaged that are not covered by having liability insurance only.
Insurance companies also give drivers the option to carry comprehensive insurance on their vehicles. Comprehensive car insurance covers damage that does not occur during an automobile accident. These are some of the different types of damage that comprehensive auto insurance covers.
Natural Disaster Damage
Certain types of damage caused by natural disasters are covered by comprehensive auto insurance. This includes damages caused by heavy winds that may occur during tornadoes, excessive water damage from hurricanes or floods and damage from hail storms.
For instance, if your car becomes flooded and the motor is destroyed, comprehensive auto insurance covers the cost of either replacing the motor or replacing the vehicle if it is a total loss.
Damage Caused By Others
If your vehicle is stolen or vandalized, comprehensive insurance will cover the damages or replace the car. However, if the theft or vandalism is done by a family member or employee of the owner of the automobile, the damage is not covered.
If someone attempts to break into your car and breaks the windows, windshield, back glass or mirrors but does not succeed at stealing the car or items inside it, comprehensive auto insurance will also pay for the glass repairs. This is one reason having an alarm system is a very good idea for auto owners.
Damage Caused By Animals
Comprehensive auto insurance also covers the policy owner should their vehicle be damaged by an animal. This includes hitting a deer or other large animal that causes damage while you are driving. While it may seem that this would be considered collision damage, it is covered by comprehensive insurance because there are no other motorists involved.
While comprehensive auto insurance is not required in the United States, it is often a requirement of finance companies or banks if a car has been financed and is not yet paid off in full. Once the vehicle is paid off, the auto owner has the option of either keeping the comprehensive insurance coverage or dropping it to decrease the cost of their policy.