Question 1

What does comprehensive insurance cover?

Accepted Answer

Comprehensive covers vehicle damage from non-collision events: theft, fire, weather (hail, floods, tornadoes), vandalism, animal strikes, falling objects, and glass breakage.

Question 2

What is the difference between comprehensive and collision insurance?

Accepted Answer

Collision covers damage from crashing into something. Comprehensive covers damage from events you cannot control: theft, weather, fire, animals, and vandalism.

Question 3

Is comprehensive insurance required?

Accepted Answer

States do not require comprehensive coverage. However, if you have an auto loan or lease, your lender contractually requires it. Dropping it without notifying your lender can result in force-placed insurance at much higher cost.

Question 4

How does the comprehensive deductible work?

Accepted Answer

Your deductible is the amount you pay before insurance covers the rest. A $500 deductible on a $3,000 hail claim means you pay $500 and insurance pays $2,500. Higher deductibles lower your annual premium.

Question 5

Does comprehensive insurance cover a cracked windshield?

Accepted Answer

Yes. Rock chips and windshield cracks are covered under comprehensive. Many carriers offer zero-deductible glass repairs for windshield-only damage. VKOVR identifies carriers with favorable glass claim policies.

Question 6

Does comprehensive cover flood damage?

Accepted Answer

Yes. Standard comprehensive coverage includes flood damage to your vehicle. However, it only covers your car — flood damage to your home or belongings requires a separate homeowner's or flood insurance policy.

Question 7

When should I drop comprehensive coverage?

Accepted Answer

Consider dropping comprehensive when your annual premium plus deductible approaches your vehicle's actual cash value. A rough guide: if comprehensive costs more than 10% of your car's market value per year, it may not be cost-effective.

Comprehensive Insurance Insurance FAQ

Comprehensive Insurance Insurance FAQ

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