Comprehensive Coverage

Comprehensive Coverage, sometimes referred to as Other Than Collision, protects your car from damages caused by perils such as vandalism, theft, natural disasters, fire and falling objects.  The insurance carrier will cover the amount of damage to your car up to its estimated value.  Establishing the value of the car differs from carrier to carrier.  The insured is required to pay the stated deductible in the claim. 

For example, if you submit a claim where there was $ 5000 worth of vandalism damage to your car while it was parked outside your home in Los Angeles, and have a $ 500 deductible, you would pay the first $ 500 and the insurance carrier would pay the remaining $ 4500.

In some cases, Comprehensive Coverage is optional.  The exceptions are when you are financing or leasing your vehicle. Then, the institution that holds your car note will require this coverage on your insurance policy.  Both financing and leasing have different insurance requirements.  It is important to check with your agent to make sure you are abiding to their requirements.


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