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What is a comprehensive claim?

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โˆ™ 2011-09-13 13:12:28

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Answer 1 --Liability insurance vs comp.The quick answer is that you can have two types of car insurance. One kind called liability insurance only covers damage to another driver's car (and the hospitalization costs of injured parties) and if your car is totaled or you end up in hospital that's too bad for you.

If you have comprehensive insurance, then you are covered for everything, including the damage to your vehicle and hospitalization costs of parties in your vehicle. You can even file a comprehensive claim if there was no other vehicle involved and you drove off the road into a tree. Naturally, carrying comprehensive insurance is more expensive than liability. If you have any kind of loan outstanding on a car, then the company carrying the loan will require you to have comprehensive insurance in case you smash up what is essentially their car on loan to you until you pay it off.

Answer 2 - A different OpinonAnswer one is correct about liability coverage for both property damage and bodily injury to third parties, either in another vehicle, or within yours, IF your are determined responsible and liable for such damages.

Answer one is NOT CORRECT, however, regarding comprehensive coverage covering damage to you or "your" vehicle.

Most, if not all auto insurance policies DO NOT coverdamage to your vehicle DUE TO COLLISION, under the "comprehensive" portion of their policies. The comprehensive portion of the policy generally reads "for any and all damage OTHER THAN COLLISION."

For collision damage, one must have specific, separate COLLISION COVERAGE.

Comprehensive coverage does cover most other things, such as falling or flying objects such as parts from an overhead airplane, rocks, hail, bird strikes, flying lawn furniture, garbage cans, tree limbs from a windstorm, etc., etc.

It also generally includes burglary, theft, vandalism [such as egging, keying, graffitti paint, bashing, etc.].

An insurance company I worked for many years ago even denied claims for "roadbed collision!" An example of roadbed collision would be caused by excessive speed while passing over a bad dip in a street, or a railroad crossing, resulting in the vehicle going "airborne" and landing so hard that the underside of the vehicle slams into the pavement, damaging the oil pan, undercarriage, or suspension. This was considered "collision damage," and therefore required collision coverage to be covered.j3h.

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โˆ™ 2011-09-13 13:12:28
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Related questions

Does comprehensive auto insurance cover crashing into side rail because you had to avoid an oncoming vehicle swerving into your lane?

It would be covered as a collision claim not a comprehensive claim. IE; you "collided" with a guard rail.


Should you report a claim with comprehensive insurance if only your car was damaged?

yes


Who pays the deductible if it's not an accident?

If the occurrence is not a traffic accident then it will most likely be a comprehensive claim and therefore if you have comprehensive coverage then you will pay your comprehensive deductible. The comp deductible is usually the lower of the two deductibles.


Is your deductible waived on a comprehensive claim?

What? Why would it be? The comprehensive deductible is your retained limit of an occurance so unless you have a policy with a diminishing deductible or some other policy benefit that would waive a deductible it applies to each and every claim.


Is your car insured by fallen tree?

If you have comprehensive coverage, then it should. Call your company to make a claim.


Will your car insurance pay for a shopping cart that rolled into a parked car?

Make a comprehensive claim.


What do you mean by comprehensive?

COMPREHENSIVE COVERAGE Auto insurance for the purpose of covering the cost of repair or replacement of the insured's car in case of damage caused by something other than an accident. Comprehensive coverage often requires the payment of a deductible when a claim is made. Comprehensive may be required to qualify for a new car loan.


Do premiums increase when you have a comprehensive claim?

Generally no, but it depends on how your policy is set up and how many claims you file a year.


What do you mean by comprehensive coverage?

COMPREHENSIVE COVERAGE Auto insurance for the purpose of covering the cost of repair or replacement of the insured's car in case of damage caused by something other than an accident. Comprehensive coverage often requires the payment of a deductible when a claim is made. Comprehensive may be required to qualify for a new car loan.


Does comprehensive insurance cover damage to your car if a shovel falls on car while car is sitting in your garage?

A comprehensive insurance policy would probably cover damage as described. However, the deductible and potential premium increase for making a claim might make it more advantageous to not make a claim.


Can you claim comprehensive insurance after two days of the accident?

No, you can not. The only way any additional coverage is effective if purchased before an accident. This means, you're stuck with all expenses if you don't have "comprehensive" coverage.


While driving a tree fell on a car at a state park. Is the car covered?

You will have to file a claim on your own comprehensive auto Insurance. The comprehensive portion of your auto insurance policy would provide coverage.

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