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- Types of items covered include damage due to fire, explosion, missiles, vandalism or falling objects. A policyholder would also have coverage for weather incidents like hail, a flood or a windstorm.
- Most often, a comprehensive policy will have a deductible. When damage occurs, the policyholder pays a deductible and the insurance company pays the remainder of the cost for the repairs. A driver can choose a higher deductible to lower the cost of his premiums.
- Comprehensive coverage pays to have a windshield repaired if it has a crack or is shattered. Depending on the insurance company, a driver may not need to pay a deductible for a windshield repair.
- Most lenders require a driver with a loan or lease to carry comprehensive coverage. If a driver has an older car with little value, it may not be advantageous to pay the premiums for comprehensive coverage.
Purpose
Deductible
Glass Coverage
Requirements
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