Insurance Paperwork

When you're getting ready to purchase a new vehicle, you may be wondering what comprehensive auto insurance covers. Basically, comprehensive auto coverage protects against damage done to your vehicle that has not resulted from a car crash. This means a comprehensive claim can be made for a stolen vehicle, if your car has been vandalized, or even hit by a falling object. In most cases, this insurance can cover a cracked or broken windshield as well. Learn more about what comprehensive insurance covers and more with our finance team at Bayway Chrysler Dodge Jeep RAM, and contact our team with any questions.

What is Comprehensive Coverage?

Though insurance details can vary depending on the provider, there are a few general expectations you can have about your coverage:

  • Vehicle theft
  • Windshield/glass damage
  • Vandalism, fire, explosions
  • Falling objects like trees
  • Storms, wind, hail, floods, lightning, earthquakes
  • Hitting a deer/other animal-related accidents

Also, keep in mind that if you were to swerve to avoid hitting an animal on the road and end up hitting a car or tree, this would be covered by collision insurance.

How Does Comprehensive Insurance Coverage Work?

Now that you know what comprehensive insurance covers, let's discuss how it works:

  1. Your car acquires covered damage: Let's say an earthquake causes $5,000 worth of damage to your vehicle.
  2. You file an insurance claim: You'll need to file a claim in order to get coverage. This will depend on your provider, but typically you can file online, by phone, or via a mobile app.
  3. Take your vehicle in for repairs: If you have a $1,000 deductible, you'll need to pay $1,000 out-of-pocket for the damage, and your insurance will cover the remaining $4,000 worth of damage.

Comprehensive vs. Collision Insurance

So, what's the difference between comprehensive coverage and collision coverage? This is a question we get often from La Porte drivers. Though both cover your vehicle, there are different guidelines for each. Here's a quick overview:

  • Collision insurance specifically covers car accidents.
  • Comprehensive insurance covers events that are outside of your control.

An easy way to remember this is if the incident doesn't have to do with a car accident, the damage will likely be covered by comprehensive car insurance. Depending on whether a collision is involved in the incident, this could possibly fall under either collision or comprehensive insurance coverage.

Rely on Bayway Chrysler Dodge Jeep RAM for Your Finance Needs

When the time comes to opt for vehicle coverage, trust the team at Bayway Chrysler Dodge Jeep RAM. Our team is here to help walk you through the coverage options available to you and more. Contact our team to learn more or to get the protection you need on Houston roads with comprehensive coverage. Also, if you're looking to get into a newer vehicle, but not sure what to do with your current one, we buy cars!