Auto insurance is available in many types. Liability automobile insurance coverage is compulsory in California; others are not. One specific type that is optional is collision insurance. In cities such as Palm Desert CA, it is often purchased as part of a package that includes another oft-ignored option – comprehensive insurance.
What Is Comprehensive Auto Insurance?
Comprehensive car insurance is a specific type of automobile insurance. It is intended to protect your vehicle from various “perils” aka damages caused by something other than a collision. Simply stated, comprehensive insurance covers physical damage caused by:
- Theft – unless it is committed by someone living with you
- Falling trees, branches or other objects
- Fire
- Flooding
- Hail
- High winds/windstorm
- Vandalism – classic examples include stolen tires and keying
Other events may be covered if the policyholder is not the source or cause of the incident. However, comprehensive auto insurance policies do not cover such things as normal wear and tear, maintenance or any type of mechanical breakdown of a vehicle.
If the vehicle has comprehensive car insurance, the policy, within its limits, will pay to either repair or replace the damaged vehicle. The latter is implemented when the vehicle is declared a “total loss” e. g. the cost to repair far exceeds the car’s market value.
Comprehensive Auto Insurance
If you live in Palm Desert CA, comprehensive car insurance is optional. It may be required if the vehicle is financed by or leased from a company. Nevertheless, it is worth considering when obtaining or renewing an auto insurance policy.
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