What does comprehensive auto insurance cover?

What does comprehensive auto insurance cover?

What does comprehensive auto insurance cover?
Comprehensive auto insurance covers theft, fire, vandalism, weather harm, riots, and other similar acts which may cause harm to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, or harm due to improper maintenance.

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Comprehensive is Fire, Theft, and Vandalism (and also if you collide w/ an animal)

What is collision and comprehensive on an auto insurance policy?

I am a licensed insurance agent. Comp is if your vechile is stolen, or bruised by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property harm will cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don’t have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy

What does comprehensive auto insurance cover?

What does auto comprehensive insurance cover?

Reaction .
Comprehensive is Fire, Theft, and Vandalism (and also if you collide w/ an animal)

Does comprehensive coverage for auto insurance cover a hit and run of your parked car?

Response .
yes it does but you will be claiming off your own insurance and may liberate your no claims discount if you have one..

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Response .
Yes it can be used but the deductible WILL apply, and your rates may increase if you put in a claim. (as unfair as that may sound)

What does comprehensive auto insurance cover?

What does ‘symbol age group’ on comprehensive auto insurance mean?

Cost .
Companies use rating symbols for various things. Normally the vehicle symbol for comp/coll is based on the fresh purchase price of the vehicle. The higher the number the higher the insurance will cost. Some companies have their own symbols assigned to vehicles while most use the ISO (Insurance Services Office,Inc.) standard symbol.They also use your age in rating and you marital status in pricing auto insurance. A symbol will be assigned your vehicle when fresh and can go down over time depending on the replacement cost of the vehicle. For example ISO symbol for an Infinity M35 AWD is 22 for fresh cost but, 21 for a 2005 model. Another example is a symbol of Ten for some Ford Ranger pick ups while a symbol for most Mercedes are 27.

What does comprehensive auto insurance cover?

Does comprehensive auto insurance cover harm from road debris?

Response .

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It depends on the terms of the insurance and the type of harm to the vehicle. Contact your insurance agent for the terms of your insurance. In general, it should.

What is comprehensive auto insurance?

If you are in the process of quoting auto insurance, chances are the term comprehensive coverage has come up fairly often. Comprehensive auto insurance coverage is a coverage that will pay to repair or substitute your vehicle in the event of a covered loss up to the fair market value of the vehicle. Covered losses that fall under comprehensive include: fire, theft, vandalism, hail, and wind harm. Falling objects and hitting a live animal also fall under comprehensive. If you are financing your vehicle, you will be required to carry both comprehensive and collision coverages to please lender requirements. The state does not require comprehensive or collision coverage.

Does comprehensive insurance cover an exploding battery?

Exploding Battery .
depends on what caused the battery to explode…..should cover the ‘insueing harm’ caused by the battery explosion……..
I’m afraid I have to disagree with the absoluteno , andnor resulting harm, i do agree your insurance policy doesn’t cover defective, or worn out parts/equipment, however, in MOST cases the ensueing harm is covered….ie you have worn out tires, a gargle out occurs putting you in a ditch….tire isn’t covered but the resulting harm is…another example, you have a vehicle fire, due to an exposed wire, the ensueing fire harm is covered….what causes most vehicle fires? cut-offs…..(one more), your brakes go out and you hit three parked cars…are you telling the policy wouldn’t cover (with collision coverage) the vehicle or the parked car? absolutely not…coverage would apply..of course your policy states unexpected and accidental and also are exclusions for wear/rip and deteroriation…..but i have never in my twenty years as an adjuster (not an agent) NOTseen this ensueing harm covered…….of course, if a person is aware of a neglected dangerous hazard with their vehicle and intentionally doesn’t take care of it, we’ve opened an entirely different topic…..(same with , i knew that tree in my yard was dead and should’ve had it out years ago, before it fell on my neighbors house), and of i course agree that your policy isn’t a ‘vehicle maintenance policy’ albeit many insureds seem to think so….ha ha….again, i haven’t seen people canceled or non renewed for that……..the claim is denied………. end of story……..i think it is significant to mention that all states are different, there may be some policy wording in some states that are not in others…….let me say the above Iknowapplies to MO

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