What Does Comprehensive Insurance Cover?

Chevrolet couple walking by

As you prepare to purchase a new vehicle for Gardendale commutes, you’ve probably asked yourself the question, “what does comprehensive insurance cover?” The answer isn’t as complex as you might imagine. Comprehensive auto coverage protects against damage your vehicle incurs that was not the result of a collision. For example, if your vehicle is vandalized, stolen, lost, or damaged by a fallen object, a comprehensive claim would allow your insurance company to cover the costs. Generally speaking, comprehensive auto insurance would also take care of a cracked or broken windshield, as well as other types of glass damage.

Understanding Comprehensive Insurance Coverage

What does comprehensive auto insurance cover when compared to other types of auto insurance you may be considering? Edwards Chevrolet Downtown has created a convenient guide so you can make a well-informed decision:

  • Comprehensive Car Insurance: When you own your vehicle, plenty can go wrong, and it doesn’t always have to be a collision! Comprehensive auto insurance protects against issues that are not related to crashes and collisions, such as theft, vandalism, weather-related damage, fallen trees, etc.
  • GAP Insurance: As unfortunate as it may be, everyone knows their vehicle begins to depreciate as soon as they drive off the lot and head home to Hoover. However, the remainder of your loan does not decrease at the same rate. Collisions within your first few months of ownership can be costly for this reason, but you’ll be well-protected if you choose to get GAP insurance.
  • Liability Insurance: In the event of a collision that you are deemed responsible for, liability insurance pays for any repairs or replacement to other drivers’ vehicles. It also takes care of medical bills incurred by anyone injured in the crash.
  • Collision Insurance: Collision insurance protects your own vehicle against damages accrued during any single car or multi-car collision. If your vehicle is damaged or totaled, your vehicle’s collision insurance will cover the cost of replacing necessary parts or acquiring a new vehicle.

As you explore your auto insurance coverage options, keep in mind that legal requirements vary state by state. While some insurance is optional in certain states, it may be legally required in others.

Learn More About Auto Insurance at Edwards Chevrolet Downtown

If you have any lingering questions after exploring what is comprehensive coverage, the friendly finance experts at Edwards Chevrolet Downtown near Bessemer can help! Contact us today to learn more, or apply for financing online to get pre-approved for your new Chevy purchase. Have other car-buying questions, like whether to buy or lease and what is a good car loan rate? Our dedicated team can help with that, too!

 

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