Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.
If you hit a deer, that's a collision and is paid out from your Collision coverage. Comprehensive is for Physical damage done to your car, such as a tree falling on it, theft, vandalism and fire. Yes, the comprehensive portion of your auto policy covers collision with an animal, such as a deer. It would be subject to your deductible. http://www.iii.org/individuals/auto/a/basic/ Actually it's covered out of comprehensive coverage and in most cases your rates will not go up. Comprehensive covers acts of nature including colliding with an animal
If you are not concerned with losing the vehicle if damaged or if you decided it's not financially wise to pay the premiums for the value of the car you can cancel some coverages. The ones that you could cancel are collision and comprehensive as well as towing and labor and rental car coverages. With most preferred companies you could cancel collision but keep comprehensive. By keeping comprehensive you would still have coverage for fire, theft, vandalism, glass breakage, flood, animal collisions. Collision is the more expensive of the tow by far and generally covers things that are your fault. Comprehensive is for things mostly out of your control.
That would be comprehensive coverage. Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim. If your car is hit, then, yes, collision insurance covers it, but the *other driver's* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run). Comprehensive coverage will take care of this in NY. Vandalism I am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.
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