How Does Comprehensive Car Insurance Work?


Comprehensive Car Insurance Limit

  • When you buy comprehensive car insurance you must first designate an amount you wish to be covered for. This is usually $100,000.00 but can be more or less depending on your needs. The amount is often listed as property damage on an auto insurance policy because that limit also applies to collision coverage.

Comprehensive Car Insurance Deductible

  • Comprehensive car insurance usually comes with a deductible. This is the amount you pay yourself before insurance money is paid. Most insurance companies start you with a $500.00 deductible. You can request to raise your deductible to $1000.00 or even more. That could lower your auto insurance bill significantly, but cost you more when you make a claim.

Comprehensive Car Insurance Coverages

  • When something happens to your vehicle that was not in your control, your comprehensive car insurance protects you. This includes vandalism, theft, weather or a tree falling on your car. Comprehensive car insurance covers just about everything except an accident while you are driving. Collision insurance covers that.

Comprehensive Car Insurance Claim

  • To make a comprehensive car insurance claim you must first subtract the deductible from the bill. You must pay that. The rest of the repairs, up to your comprehensive car insurance limit, is paid by your insurance company.

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