What is an all-risk car insurance claim?

Comprehensive auto insurance is a type of auto insurance policy that covers damage to your car caused by an event other than a collision. In this case, “other than a collision” generally means that the damage to your car was caused by events such as hail, animals, broken glass and theft. Drivers who own their vehicle are not required to purchase comprehensive coverage, but if you have an auto loan on your car or lease your vehicle, your lender will almost certainly require you to purchase this type of coverage.

Comprehensive auto insurance pays for expenses related to a number of damage scenarios, but there may be times when filing a comprehensive auto insurance claim may not be necessary. And for some drivers, adding an optional comprehensive insurance policy may not make sense. Understanding what comprehensive coverage offers and when it may be beneficial to file a claim can help you decide whether or not to add this option to your policy.

What is full coverage and what does it cover?

Comprehensive coverage for the repair or replacement of your vehicle when it is damaged by an incident other than a collision with another vehicle or object. When you refer to a comprehensive auto insurance policy, it means a policy that includes both comprehensive and collision coverage, as well as state-required coverage.

Here are examples of typical damage to vehicles covered by comprehensive insurance:

  • Damage caused by hail and other weather-related events
  • Damage caused by hitting an animal
  • Flight
  • Vandalism and riots
  • Glass breakage (windshield and windows)
  • Fire
  • Falling objects, such as a tree branch

Comprehensive coverage does not cover normal wear and tear on your vehicle. For example, when you need new tires or brake pads, you pay for those maintenance items out of pocket or through another warranty program. It also does not include damage to your vehicle in the event of a collision with a vehicle or object. If there is another vehicle involved, then it is collided.

When should I file a Global Complaint?

Knowing when to file a comprehensive auto insurance claim means understanding your deductible amount — the amount you’re paying out of pocket — before you file the claim. If the cost to repair your vehicle is less than your deductible amount, you will not be able to file a claim. If the repair costs are only slightly higher than your deductible amount, it may not be worth filing a claim and risking a premium increase when renewing your car insurance policy.

If you choose to file a claim, there are a few steps to take to submit it to your insurer.

  1. Contact a customer service representative or your local agent through the mobile app, online or by phone and let them know about the situation.
  2. Submit any documentation, such as photos, videos, or documents related to your complaint.
  3. Your insurer may ask you to get quotes from local repair shops.
  4. Each state has different laws regarding how long you can submit a claim, including for damages only, so be sure to ask the insurance adjuster for the time frame.

Reasons to Consider Purchasing Comprehensive Coverage

Unlike liability insurance, states do not require full coverage to drive legally. However, if you lease or finance your vehicle, the finance company or lessor will usually require coverage. For other drivers who have the option of purchasing comprehensive coverage, you may find it beneficial to have this coverage and limit your out-of-pocket expenses in the event of damage in a covered claim.

Fortunately, comprehensive coverage is generally inexpensive compared to other aspects of an auto insurance policy. The average cost is $168 per year, according to the Insurance Information Institute (Triple-I), which may be worth it for the extra financial protection it provides.

Frequently Asked Questions

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