What Does Comprehensive Insurance Cover?

Finance and Signing

The excitement of buying your new car for your Providence travels has the potential to wear off early when you have to iron out the fine details of financing and insuring. All of the options and plans can be a little tricky to sort through, but there’s no need to worry with the finance experts at Mercedes-Benz of Warwick on your side.  Simply stated, comprehensive insurance coverage protects against damage that’s not caused by collisions, such as theft, vandalism, and loss. Read on below to answer, “What does comprehensive insurance cover?” more fully.

What is Comprehensive Coverage?

Some drivers may confuse comprehensive coverage and collision because they both may pay for your service department repairs around East Greenwich. However, since these two plans cover different types of damage, it’s important for drivers to have both. So, what does comprehensive auto insurance cover?

  • Falling trees, limbs, and other objects
  • Accidents with animals
  • Rocks or objects made airborne by other vehicles
  • Theft
  • Vandalism, fire, riots, and explosions
  • Windshield and glass damage
  • Storms, hail damage, wind, floods, lightning, and earthquakes

For instance, if during a lightning storm, a branch lands on your vehicle and causes damages, you may be entitled to compensation once you’ve paid your deductible. After your deductible is out of the way, the insurance company will pay for the rest of the repair costs.  Keep in mind that some lenders will require that you obtain comprehensive coverage while you’re paying off your loan, or leasing.

Comparing Kinds of Auto Insurance

  • Auto liability insurance is mandatory in most states, including Rhode Island. It covers injury costs and property damage to other drivers if you’re at fault in a collision. Drivers who want to pay for only minimum coverage opt for solely liability insurance.
  • Medical payment coverage pays for medical-related bills for you, your passengers, or family members who are injured in your car.
  • Some Cranston drivers add uninsured and underinsured motorist insurance to provide coverage if you’re injured or experience property damage caused by a driver with inadequate insurance coverage.
  • While liability insurance protects you from huge bills if you’re at fault, collision coverage protects you if you’re involved in an accident with another vehicle or hit a stationary object like a high curb. A lease may require this type of coverage on a new car.

Does car insurance cover the car or the driver? It depends on the type of coverage you’re talking about. We’re happy to help you answer any question on your mind.

Find Your Coverage at Mercedes-Benz of Warwick

With “What does comprehensive insurance cover” out of the way, you may still be interested in more financing tips. Start by finding out how much gap insurance is, or explore the ins-and-outs of trading in a financed-car. Our experts in Warwick are ready to help you with any step of the financing and coverage journey. Contact us today to get started, and be sure to check out some of our other financing tips including our guide to comprehensive insurance coverage!

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