• Joesbury Insurance Agency

Comprehensive Coverage

Today we’re going to take a closer look at a coverage option on your automobile policy. While collision coverage is designed to pay for damages caused when your vehicle collides with another object or vehicle, “comprehensive” coverage is designed to address most other causes of damage. So, if you collide with a tree then you have a collision claim, however, same tree and same car, but the wind blows that tree onto your car, well, now you have a comprehensive claim. Another way to describe the difference is that colliding with something is typically a situation where the driver breached a driving duty and ended up crashing into something. Whereas, comprehensive coverage encompasses a myriad of perils that drivers have little, if any, control over, such as hail, fire, theft, deer, falling limbs, vandalism, etc. As a general rule, insurance carriers don’t view comprehensive claims as negatively as they do an at-fault collision claim, unless there’s a problem with comprehensive claim frequency. Interestingly and generally speaking, most insurance companies look more favorably on that single catastrophic comprehensive claim that totaled your vehicle, than they do a series of minor comprehensive claims. That’s something to consider in the event you have damage to a vehicle that’s only a few hundred bucks over your deductible. Your deductible represents the amount of skin you have on the claim side of insurance, but filing frequent minor comprehensive claims will have a direct impact on how much skin in the game you have on the premium side of your insurance plan. Some carriers offer additional coverage extensions that broaden the policy. Since your policy is the ultimate authority on what is and what isn’t covered on your policy, it’s a good idea to look it over. If you have a situation that you believe might be claim worthy then it’s a good idea to talk it over with your insurance agent before you file a claim.

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