All You Need to Know About Comprehensive Auto Insurance

Coverage for auto insurance is vast, and many risks can be insured. Comprehensive auto insurance coverage is a policy that affords you coverage beyond the standard insurance policies. You get coverage for all forms of possible damage, excluding collision with objects or other vehicles. Hazards like fire, storms, floods, theft, destruction, and damage by falling objects, and more are typical of comprehensive car insurance. Even better, you get coverage for third-party liabilities.

What does comprehensive auto insurance coverage include?

This insurance policy provides coverage for several risks. The following is an outline of what this insurance policy covers and what it doesn’t cover.

Comprehensive auto insurance covers:

  • Accidental death or disability compensation for the owner/driver of the car
  • Loss or damage due to extreme weather conditions like floods, hurricanes, storms, and other natural disasters
  • Civil disasters and manmade disasters like riots, vandalism, etc
  • Theft
  • Accidents and explosions
  • Death or property damage caused to third parties
  • Physical injuries caused to third parties

It doesn’t cover:

  • Wear and tear of aging automobiles
  • Mechanical or electrical breakdown
  • Depreciation
  • Damages caused by driving without a driver’s license
  • Any loss or damage due to war or nuclear attack
  • Damages caused due to driving under the influence of any intoxicating substance
  • Damages caused to the tube and tires. Your insurance provider is only entitled to cover 50% of the damage when your tube and tires are affected by a covered peril.


Should I buy a comprehensive auto insurance policy?

A comprehensive auto insurance policy covers an extensive range of risks. It is by far one of the most complete auto insurance policies you can purchase. Even better, you can get additional coverage if you need it. For people using financed or leased cars, a comprehensive auto insurance policy is indispensable. Also, if your car is less than 5-10 years old, this insurance policy comes in handy.

Can I get additional coverage?

You can get additional coverage for your comprehensive car insurance. If you can pay the cost for the premium, additional coverage isn’t an issue. Understanding what is not covered in comprehensive insurance gives you an idea of what to include in your additional coverage. More importantly, you should consider getting insurance for collision coverage, rental reimbursement, specific coverage for car engines and other parts, etc.

What’s the cost of comprehensive auto insurance?

Comprehensive auto insurance is relatively affordable because it insures risks that are not extremely dangerous. You can expect to get the best rates if you find the right service provider. Usually, a deductible comes with your policy. The deductible is your share in the cost of certain claims you make on your policy.

Comprehensive auto insurance offers extensive coverage that every car owner should maintain for their vehicle. Finding the right insurance provider will be your only challenge.  At Northeastern Group, we work with motorists in New York, New Jersey, Connecticut, Pennsylvania, Georgia, and Florida to find the right coverage that suits their needs and vehicle. Contact us today to get started on your tailored policy. We look forward to working with you.

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