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Automobile Insurance: The Different Coverages

Comprehensive Coverage

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Comprehensive coverage covers when damage occurs to your car due to:

  • Theft
  • Vandalism
  • Fire
  • Flood
  • Windstorm, or
  • Collision with an animated object, such as a bird striking your windshield.

Comprehensive coverage usually has a deductible. Coverage for damage to glass (windshields and windows) can be included without a deductible.

For advice concerning whether to purchase comprehensive coverage, see the discussion above about Collision Coverage. The reasoning for whether to purchase these coverages is the same.


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