What is comprehensive
coverage?
Comprehensive coverage pays to repair or replace a covered vehicle that's stolen or damaged by something other than collision or rolling over.
Even glass claims and windshield repair. For example, damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal is covered.
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Understanding comprehensive car insurance
From how comprehensive auto insurance works, and what it covers to defining deductibles and why you might need it.
How comprehensive car insurance works
How comprehensive car insurance works
With a covered loss, comprehensive coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using but aren't owned by anyone in your household.
Depending on the extent of the damage resulting from a loss covered under comprehensive coverage, we will decide whether to pay the cost to repair a covered vehicle minus any applicable deductible or whether to pay the actual cash value of the covered vehicle minus any applicable deductible.
If you lease your vehicle, or if you used a loan to purchase it, your lender or financing company will likely require you to buy comprehensive auto insurance because your lessor or lender will want to be protected in case anything happens to your car during the term of your lease or loan.
Comprehensive deductibles
Comprehensive deductibles
With comprehensive coverage, you choose whether you have a deductible and how much it is. A deductible is the amount you agree to pay up front when you make an insurance claim. Your insurance company then pays the rest up to your coverage limit. Higher deductibles lower your premium, but increase how much you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice to save on your premium, or talk to your State Farm agent.
Why choose comprehensive coverage?
Why choose comprehensive coverage?
Consider these factors whether the savings from not carrying this coverage would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle.
- Is your car a high-value vehicle?
- Do you live in an area prone to weather-related disasters?
- Is there a high rate of car theft where you live?
- How much can you afford to pay, or are willing to pay, out of your own pocket if you experience an accident that isn’t covered by collision insurance?
To help you figure out if you should purchase comprehensive coverage, you should estimate the approximate value of your vehicle through an online resource like Kelley Blue Book. Let a State Farm agent help you determine the value of your vehicle along with how much extra you'd pay to add comprehensive coverage.
What comprehensive insurance covers
What comprehensive insurance covers
Comprehensive car insurance protects you from losses other than a collision with another vehicle or object and single vehicle rollover accidents.
- Car theft and damage from theft
- Fires and explosions
- Weather conditions such as wind damage from hurricanes
- Violence from civil unrest or riots
- Hitting or being hit by a deer or other animal
What comprehensive insurance doesn’t cover
What comprehensive insurance doesn’t cover
If you're responsible for an accident, your comprehensive coverage won't pay for collisions with other vehicles or objects (trees, buildings, etc.), or injuries or fatalities. You’ll need separate coverages for these exposures. To insure yourself against the costs of damage from these and other sources, State Farm offers a range of auto insurance options.
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Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.
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Disclaimer
Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
Richardson, TX