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When it comes to home and auto insurance services, it can often seem like you have to choose between affordable insurance costs and the best possible coverage. This can be a difficult choice to make, as you obviously don’t want to spend all of your money paying your monthly rates, but you also want to make sure your family and your belongings have enough coverage to protect you in case of an emergency. However, a surprising number of people think they have found a solution when it comes to their car insurance rates by investing in comprehensive auto insurance, which many believe will cover everything. Unfortunately, this isn’t quite true: while the word “comprehensive” means “complete; including all or almost all of something”, comprehensive auto insurance offers very specific protections that may not apply to every problem you and your car face. Read on to learn what comprehensive auto insurance does, and does not, cover.

What Comprehensive Insurance Covers
Comprehensive auto insurance covers damage that does not result from a collision. While this may sound like a drastic delineation, there are plenty of things that fall into this category, including falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and even damage from hitting an animal. Comprehensive auto insurance can help pay for repairs and even replace it entirely if the situation requires.

What Comprehensive Insurance Doesn’t Cover
Unfortunately, comprehensive auto insurance does not cover collision (defined as hitting another car or object, or rolling over), towing or roadside assistance, the costs of renting a car, or any personal property that is stolen from your vehicle. Fortunately, other insurance services exist to protect you in these situations. For example, stolen property is usually covered by renters or homeowner insurance.

Who Needs Comprehensive Insurance?
Almost everyone needs comprehensive auto insurance, especially if they live in an area that has a high number of the accidents comprehensive insurance coverage. For example, if watching deer, bears, cows or other large animals is a common occurrence for you, you will likely benefit from comprehensive insurance. The same goes if you live in an area prone to natural disasters, any place prone to crime and theft, or near a falling rock zone. Moreover, if you are financing or leasing your car, you will likely be required to get this type of coverage to help protect the vehicle.

Comprehensive insurance doesn’t cover everything, but the coverage it does offer can be extremely important. If you have other questions about how this type of insurance works, contact your local insurance provider to learn more. See this link for more references.