Best and worst car insurance companies

Comprehensive auto insurance، also known as “comprehensive coverage” or “other-than-collision coverage،” is a type of insurance policy that provides financial protection for a wide range of damages or losses to your vehicle that are not caused by a collision with another vehicle. It typically covers events such as theft، vandalism، natural disasters، falling objects، fire، animal collisions، and certain types of weather-related damage.

Comprehensive auto insurance is optional in most places but may be required if you lease or finance your vehicle. It is commonly purchased as an add-on to a basic liability insurance policy، which covers damages or injuries caused to others in an accident where you are at fault.

When you have comprehensive coverage، the insurance company will reimburse you for the cost of repairs or provide compensation for the actual cash value of your vehicle if it is stolen or deemed a total loss. Deductibles usually apply، meaning you’ll need to pay a certain amount out of pocket before the insurance coverage kicks in.

It’s important to review the terms and conditions of a comprehensive auto insurance policy، as coverage limits and specific inclusions can vary between insurance companies. If you’re considering purchasing comprehensive coverage، it’s recommended to compare quotes from different insurers to find the best policy that meets your needs and budget.

what does full coverage auto insurance cover

The term “full coverage” is often used to describe an auto insurance policy that includes both liability coverage and physical damage coverage. However، it’s important to note that there isn’t a standardized definition of “full coverage،” and the specific coverage options can vary between insurance companies. Generally، full coverage auto insurance typically includes the following components:

Liability Coverage: This is the basic coverage required by law in most places. It includes two types:

• Bodily Injury Liability: Covers the medical expenses، legal fees، and other costs associated with injuries or death of another person in an accident for which you are at fault.