what is comprehensive auto insurance

Comprehensive auto insurance is one kind of insurance coverage which safeguards against the physicComprehensive auto insurance is one kind of insurance coverage which safeguards against the physical injury on your car and it is also known as “other than collision" coverage. Normally auto insurance is divided in to two components like liability and physical damage coverage. Liability coverage is required in many states and it is also called as bodily injury liability and offers coverage in the situation of death or bodily injury for which you are responsible. On the other hand physical damage coverage includes with the cost of the damage repairs on the car which are incurred as a result of an act which is covered under the policy. The physical damage coverage includes with two types like collision and comprehensive. Collision covers the damage to your car, when the car is damaged with any accident. Comprehensive covers the physical damage outside the reaction of collision. Comprehensive covers and pays for the cost of damages which occur as a result of non collision event. If you do not have collision coverage means, then you have to bear the expenses which incurred in the accident. Comprehensive does not cover the damaged which is caused by the usual road use. The comprehensive auto insurance covers the accidents which incurred from riot, theft, vandalism, glass breaker age, fire, hail, water or flooding, damage resulting from animal, wind and Missiles or falling objects. It does not cover the theft or vandalism which is caused by the family members or employees of the company. So it is important to read the policy carefully before signing, which is included in the coverage and which is excluded in the coverage. Normally insurance companies do not allow you to take collision without comprehensive auto insurance coverage. The cost of the comprehensive insurance policy is determined by the age of the driver, his experience, area where the car is driven and estimated mileage.like liability and physical damage coverage. Liability coverage is required in many states and it is also called as bodily injury liability and offers coverage in the situation of death or bodily injury for which you are responsible. On the other hand physical damage coverage includes with the cost of the damage repairs on the car which are incurred as a result of an act which is covered under the policy. The physical damage coverage includes with two types like collision and comprehensive. Collision covers the damage to your car, when the car is damaged with any accident. Comprehensive covers the physical damage outside the reaction of collision. Comprehensive covers and pays for the cost of damages which occur as a result of non collision event. If you do not have collision coverage means, then you have to bear the expenses which incurred in the accident. Comprehensive does not cover the damaged which is caused by the usual road use.

The comprehensive auto insurance covers the accidents which incurred from riot, theft, vandalism, glass breaker age, fire, hail, water or flooding, damage resulting from animal, wind and Missiles or falling objects. It does not cover the theft or vandalism which is caused by the family members or employees of the company. So it is important to read the policy carefully before signing, which is included in the coverage and which is excluded in the coverage. Normally insurance companies do not allow you to take collision without comprehensive auto insurance coverage. The cost of the comprehensive insurance policy is determined by the age of the driver, his experience, area where the car is driven and estimated mileage.