A deductible is the amount you pay toward a covered claim. Now you have a little more information on the benefits of comprehensive coverage and how it works. Contact an Allstate agent. When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected for wherever the road takes you.
Damage to your car from a collision Damage to another person's vehicle from a collision Your or your passengers' medical expenses after an accident. When you purchase comprehensive coverage, you will select a set deductible , which is the amount you pay out of pocket toward a covered claim.
Comprehensive coverage has a limit , or the maximum amount your policy will pay toward a covered claim. The limit on comprehensive coverage is typically the actual cash value of your vehicle. If your car is stolen, for example, your insurance company would reimburse you for your car's depreciated value, minus your deductible. In other words, if you wanted to replace your stolen vehicle with a newer make and model, you would likely have to use some of your own money to do so, in addition to using the reimbursement from your insurer.
Keep in mind that the comprehensive deductible and limit are separate from your policy's collision deductible and limit. Choosing a higher comprehensive deductible generally means your premiums will be lower, which can save money upfront.
However, you may have to pay more out of pocket toward a covered claim. Likewise, choosing a lower comprehensive deductible means the amount you pay for coverage will increase.
Your agent can help you determine what deductible and limits fit your needs. Collision coverage helps pay to repair your car if it's damaged in a collision with another vehicle or object, such as a fence.
Generally, collision coverage comes into play because a driver gets into a car accident. Comprehensive is a separate coverage from collision. It helps cover different types of losses that are usually not the result of driving the vehicle, such as theft , hail or fallen trees. Comprehensive Insurance vs. Collision Insurance. If you're wondering whether you should buy comprehensive coverage, here are a few considerations:. Have questions about comprehensive coverage?
Talk to a local agent. What Is "Full Coverage? Retrieve a saved quote. Skip to main content Explore Allstate. Popular Searches. Allstate We help customers realize their hopes and dreams by providing the best products and services to protect them from life's uncertainties and prepare them for the future.
Skip to main content Toggle navigation Log in. Edit location. Select a product to get a quote. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Comprehensive insurance is like bad luck coverage for your car. It pays for damage to your vehicle from just about anything except a traffic collision or rollover. That includes an array of random events outside of your control, from a chipped windshield or hail dent to explosions or damage from riots.
While comprehensive coverage is optional as far as your insurer and state government are concerned, lenders typically require it if you finance or lease a car. Easily compare personalized rates to see how much switching car insurance could save you. Comprehensive insurance covers damage to your vehicle from:. Hail, floods or lightning from thunderstorms, hurricanes or tornadoes. Falling objects, such as tree limbs.
Vandalism or civil disobedience, such as a riot. In many states, comprehensive auto insurance also pays to repair glass damage to your windshield.
Damage or injuries you cause to others. Liability insurance , which is required in every state except Virginia and New Hampshire, covers those events. Your injuries. Comprehensive insurance pays only for damage to your vehicle.
Your injuries may be covered by the other driver's insurance if they're at fault or by your health insurance if you're at fault. Damage to your car from a collision. If the accident was your fault, this would be covered by collision insurance , as long as you have it on your policy.
For accidents in which the other driver is at fault, their insurance would typically pay for damage to your vehicle. Comprehensive insurance will pay out only up to the total value of your car, minus your deductible.
Once the repair cost exceeds the value, or even gets close to it in some cases, the insurer declares a car totaled. For instance, you could buy a rider that reimburses you for the cost of any rental cars that you have to pay for after you are in a wreck. Some full coverage auto insurance policies also allow you to buy roadside assistance protection.
This way, if your car breaks down on the side of the road, you can receive the help you need to get back on the road. Another popular type of coverage you can get is underinsured or uninsured motorist coverage. In the event you're in an accident with an under or uninsured driver, then you can make a claim for medical bills or vehicle repairs. Comprehensive auto insurance can provide you with coverage in a number of different circumstances.
For example, if your car is damaged in a fire, this insurance helps pay to replace the car or repair it if it is not deemed a total loss. If your car is damaged by someone in an act of vandalism, you can expect your comprehensive auto insurance policy to pay you a benefit. If your car is stolen or if something inside the car is stolen, this is the policy that you would want in order to make sure you're reimbursed and receive money to replace it.
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