Comprehensive (sometimes referred to as “Other Than Collison”) covers damage to your car caused by external events outside of your control. There are certain types of auto accidents that may happen in Colorado that don’t involve another car, like hail damage to your parked car. This is where comprehensive auto coverage comes in.
What does comprehensive cover?
It covers damage caused by vehicular accidents that don’t involve colliding with another vehicle or object. Some examples of losses that would fall under this category are:
- Collisions with animals
- Fires or explosions
- Certain falling objects
Is comprehensive coverage required?
It is not required in any state but it is an extremely valuable coverage for your auto policy here in Glenwood Springs and covers types of loss that collision insurance does not.
What isn’t covered by comprehensive?
While it covers a wide variety of loss types, it does not cover things like roadside assistance or rental car reimbursement.
How does a comprehensive deductible work?
If your vehicle is damaged as the result of a covered accident, you will pay your comprehensive deductible first and then the insurance carrier will pay the remaining damages. Comprehensive deductibles apply regardless of fault. For instance, let’s say you have comprehensive coverage on your auto policy with a $1,000 deductible. You hit a deer and the accident results in damage to the front end of your vehicle in the amount of $10,000. You will be responsible for paying your $1,000 deductible and then the carrier will pay the remaining damages. Carriers often offer multiple deductible options and the amount of your deducible is your choice. It is important to remember that the lower the deductible, the higher the vehicle insurance premium will be.