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Car Insurance Part 5: Comprehensive coverage

GasBuddy Blog -- In continuing our series today, we'll cover comprehensive insurance coverage. Comprehensive covers most damage claims excluding a car/car collision.

Typically people purchase comprehensive coverage for cars less than 10 years old as part of their car insurance policy. Instead of covering simple car accidents (collision coverage), comprehensive coverage may cover damage caused by things besides car collisions, such as wind, flood, or other weather damage. It also covers vandalism, theft, or other such events in which the owner or driver isn't responsible.

Like collision coverage, comprehensive coverage is likely optional but may be required if you financed your vehicle. In that case, the bank has a secured interest on the...

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Submitted Aug 24, 2010 By: PD

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POLELANE Champion Author Ohio Posts:7,148 Points:828,370 Joined:Mar 2008	Message Posted: Aug 26, 2010 2:47:13 PM Ignore POLELANE Report Abuse the only thing insurance companies will take off is days of work to REWARD their fine sales and management teams for milking the feds; right "AIG"?
honda0105 Champion Author Tallahassee Posts:15,259 Points:1,141,225 Joined:Nov 2008	Message Posted: Aug 26, 2010 3:47:46 AM Ignore honda0105 Report Abuse with increased damage from terrorism, does that mean the insurance companies will take that rider off...?
honda0105 Champion Author Tallahassee Posts:15,259 Points:1,141,225 Joined:Nov 2008	Message Posted: Aug 26, 2010 3:45:35 AM Ignore honda0105 Report Abuse Pete12: depends where you live. Some areas are much higher than others.
Pete12 Champion Author Albany Posts:3,598 Points:1,244,475 Joined:Nov 2005	Message Posted: Aug 25, 2010 9:09:10 AM Ignore Pete12 Report Abuse Comprehensive is cheap enough everybody should have it!
mynt Champion Author Ottawa Posts:2,940 Points:606,205 Joined:May 2010	Message Posted: Aug 24, 2010 11:19:02 PM Ignore mynt Report Abuse Very informative.
EcoVore Champion Author Los Angeles Posts:3,533 Points:727,150 Joined:Jun 2008	Message Posted: Aug 24, 2010 10:52:29 PM Ignore EcoVore Report Abuse A great refresher.
250FORD Champion Author Minnesota Posts:8,265 Points:1,303,335 Joined:Feb 2007	Message Posted: Aug 24, 2010 10:07:37 PM Ignore 250FORD Report Abuse I am fully coverd on all my vehicles on the road.
miser709 Veteran Author Grand Rapids Posts:405 Points:632,545 Joined:Mar 2004	Message Posted: Aug 24, 2010 10:04:28 PM Ignore miser709 Report Abuse And this is news to who? I have known this for as long as I've owned a vehicle.
14of45SSR Champion Author Saskatchewan Posts:2,370 Points:829,040 Joined:Dec 2008	Message Posted: Aug 24, 2010 10:00:15 PM Ignore 14of45SSR Report Abuse I think when you buy plates you should get a minimum coverage automatically then you by a package policy to get more.
Rageagainsttm Champion Author Tampa Posts:6,009 Points:1,447,195 Joined:Jul 2007	Message Posted: Aug 24, 2010 9:50:34 PM Ignore Rageagainsttm Report Abuse I have full coverage.
DosEquis26 Champion Author Chicago Posts:3,758 Points:1,542,440 Joined:Jun 2006	Message Posted: Aug 24, 2010 9:49:25 PM Ignore DosEquis26 Report Abuse a very comprehensive article
camel1 Champion Author Minnesota Posts:6,045 Points:1,815,440 Joined:Jul 2006	Message Posted: Aug 24, 2010 9:44:39 PM Ignore camel1 Report Abuse nice to know
joel27nc Champion Author Raleigh Posts:8,157 Points:1,392,445 Joined:Mar 2008	Message Posted: Aug 24, 2010 9:44:19 PM Ignore joel27nc Report Abuse Talking about insurance is good, most know this stuff...some may not.
Quick68 Champion Author Columbus Posts:4,832 Points:757,825 Joined:Dec 2009	Message Posted: Aug 24, 2010 9:34:21 PM Ignore Quick68 Report Abuse This is why I carry full coverage.
TBONE3 Champion Author Pennsylvania Posts:6,388 Points:1,510,745 Joined:Mar 2005	Message Posted: Aug 24, 2010 9:32:12 PM Ignore TBONE3 Report Abuse It is worth carrying, especially now with so much vandalism and theft going on.
LoneGuy Champion Author Lansing Posts:6,143 Points:1,855,705 Joined:Aug 2005	Message Posted: Aug 24, 2010 9:28:02 PM Ignore LoneGuy Report Abuse In the past I had a slush fund known as GMAC to cover these as cash buys. Now that that savings vehicle is so untrustworthy and interest is so low, I no longer have my self financial fund but do have fairly good GM vehicles that may get me into retirement yet.
tedjm1 Champion Author New York Posts:3,540 Points:389,685 Joined:Dec 2006	Message Posted: Aug 24, 2010 9:23:08 PM Ignore tedjm1 Report Abuse All is okay with this explanation.
NotmeuQc Champion Author Montreal Posts:3,305 Points:667,870 Joined:Apr 2009	Message Posted: Aug 24, 2010 9:20:04 PM Ignore NotmeuQc Report Abuse More interesting information, but not gas related
JoseM All-Star Author San Bernardino Posts:890 Points:605,010 Joined:Apr 2009	Message Posted: Aug 24, 2010 9:16:28 PM Ignore JoseM Report Abuse Common sense
Blue_Cruzer Champion Author Lexington Posts:5,152 Points:1,202,725 Joined:Mar 2007	Message Posted: Aug 24, 2010 9:14:33 PM Ignore Blue_Cruzer Report Abuse Useful information.
JohnofGB Champion Author Flint Posts:3,075 Points:631,320 Joined:Feb 2010	Message Posted: Aug 24, 2010 9:12:42 PM Ignore JohnofGB Report Abuse Good item to read if you are unfamiliar with the different coverages.
LocalSpyGuy Champion Author Tampa Posts:5,474 Points:1,119,245 Joined:Nov 2008	Message Posted: Aug 24, 2010 9:12:02 PM Ignore LocalSpyGuy Report Abuse Don't like dealing with insurance companys. They are quick to raise premiums but slow in giving a settlement.
rxman1 Champion Author Toledo Posts:6,996 Points:1,396,195 Joined:Nov 2007	Message Posted: Aug 24, 2010 9:04:41 PM Ignore rxman1 Report Abuse If you have a new car and a loan this insurance is necessary. If you have an old car, probably not worth buying?
carlsonguitars Champion Author Portland Posts:4,641 Points:782,530 Joined:Jan 2008	Message Posted: Aug 24, 2010 8:53:29 PM Ignore carlsonguitars Report Abuse if you have a piece of crap car, DO NOT BUY FULL COVERAGE!!! If you have a nice ride, INSURE IT WITH FULL COVERAGE!!!! End of story.
traindude Champion Author Virginia Beach Posts:5,614 Points:1,245,330 Joined:Jun 2007	Message Posted: Aug 24, 2010 8:41:32 PM Ignore traindude Report Abuse mayhem isn't covered or acts of terrorism
RENEGADEGAS Champion Author Missouri Posts:12,054 Points:1,127,180 Joined:Jul 2008	Message Posted: Aug 24, 2010 8:41:12 PM Ignore RENEGADEGAS Report Abuse This is pretty much common sense.
panama303 All-Star Author Denver Posts:790 Points:267,020 Joined:Jan 2005	Message Posted: Aug 24, 2010 8:39:38 PM Ignore panama303 Report Abuse is there something new in this???
Ray_10589 Champion Author New York Posts:2,794 Points:737,670 Joined:May 2009	Message Posted: Aug 24, 2010 8:36:05 PM Ignore Ray_10589 Report Abuse People Should know this ... but keep the lessons coming ...
POLELANE Champion Author Ohio Posts:7,148 Points:828,370 Joined:Mar 2008	Message Posted: Aug 24, 2010 8:29:15 PM Ignore POLELANE Report Abuse essential even for non op vehicles; per the BMV
cudatim Champion Author San Antonio Posts:2,186 Points:1,081,005 Joined:Jan 2007	Message Posted: Aug 24, 2010 8:20:46 PM Ignore cudatim Report Abuse Yep, knew that.
waynemustang Champion Author Indiana Posts:4,661 Points:1,236,205 Joined:Nov 2006	Message Posted: Aug 24, 2010 8:19:24 PM Ignore waynemustang Report Abuse Good article.
RJ35126 Veteran Author Birmingham Posts:366 Points:806,065 Joined:Sep 2008	Message Posted: Aug 24, 2010 8:13:24 PM Ignore RJ35126 Report Abuse Nothing but liability for me....and my $1500 car that Ive had for 6 years. (Book value is probably less but I wouldnt sell it for $1500) Paid $2125 and its going strong with no major repairs.Bet I have a lower cost per year than just about anyone !
dabuzman Champion Author Seattle Posts:4,399 Points:1,427,200 Joined:Apr 2006	Message Posted: Aug 24, 2010 8:10:10 PM Ignore dabuzman Report Abuse YAP !
us4usa Champion Author Missouri Posts:3,820 Points:680,225 Joined:May 2008	Message Posted: Aug 24, 2010 8:04:36 PM Ignore us4usa Report Abuse So after the vandalism they stole the fuel out of the tank which I pay $2.38 a gal for yesterday would that $2.38 gas be covered or gas at today price of $2.35???????????????????????
sammynorge Champion Author Columbus Posts:1,259 Points:326,340 Joined:Jan 2006	Message Posted: Aug 24, 2010 8:03:05 PM Ignore sammynorge Report Abuse I remember the days before the insurance nazis were able to force everyone to buy their product. I teach guitar lessons for a living. I'd love it if the government would pass a law that says everyone HAS to take guitar lessons. I'd have a full schedule all year every year!
Lukus Champion Author Halifax Posts:6,021 Points:1,216,385 Joined:Nov 2007	Message Posted: Aug 24, 2010 8:02:56 PM Ignore Lukus Report Abuse OK
abcdMA Champion Author Worcester Posts:5,619 Points:1,114,250 Joined:Nov 2008	Message Posted: Aug 24, 2010 7:59:19 PM Ignore abcdMA Report Abuse this is also a key piece of a policy
ILANGE9 Champion Author Illinois Posts:5,185 Points:1,130,675 Joined:Sep 2008	Message Posted: Aug 24, 2010 7:56:52 PM Ignore ILANGE9 Report Abuse Great info.
TFowler513 Champion Author Memphis Posts:2,582 Points:977,135 Joined:Mar 2008	Message Posted: Aug 24, 2010 7:52:04 PM Ignore TFowler513 Report Abuse A necessary evil!
bbreff Champion Author Atlanta Posts:7,642 Points:2,127,990 Joined:Jun 2005	Message Posted: Aug 24, 2010 7:49:07 PM Ignore bbreff Report Abuse Fuel? Where?
debbiedl All-Star Author Akron Posts:783 Points:652,610 Joined:Jun 2008	Message Posted: Aug 24, 2010 7:48:03 PM Ignore debbiedl Report Abuse And if you don't want to hear about insurance, don't click...
debbiedl All-Star Author Akron Posts:783 Points:652,610 Joined:Jun 2008	Message Posted: Aug 24, 2010 7:46:37 PM Ignore debbiedl Report Abuse In MA if you have comprehensive the insurance co is required to cover glass with zero deductible. That was a good requirement because people had incentive to get their windshields replaced. In Ohio people just drive around with spidered windshields, ie. safety hazard, because of deductibles.
ThatHunt Champion Author Dallas Posts:4,487 Points:1,627,290 Joined:Jul 2006	Message Posted: Aug 24, 2010 7:41:44 PM Ignore ThatHunt Report Abuse thank yoU Pd. This is great info!
judgemobile Champion Author Ohio Posts:5,245 Points:1,983,145 Joined:Nov 2005	Message Posted: Aug 24, 2010 7:34:53 PM Ignore judgemobile Report Abuse nothing new to most drivers--and how does this relate to GAS costs ?
OGW Champion Author London Posts:3,342 Points:1,112,955 Joined:Sep 2005	Message Posted: Aug 24, 2010 7:25:42 PM Ignore OGW Report Abuse Okay but if you have a car then you should already know all this.
oldiesman Champion Author New York Posts:4,211 Points:1,762,950 Joined:May 2006	Message Posted: Aug 24, 2010 7:24:57 PM Ignore oldiesman Report Abuse Good.
hank1326 Champion Author Los Angeles Posts:6,691 Points:1,279,415 Joined:Jun 2008	Message Posted: Aug 24, 2010 7:23:29 PM Ignore hank1326 Report Abuse Practical and useful information.
bad_sailor Champion Author London Posts:5,560 Points:1,234,555 Joined:Dec 2007	Message Posted: Aug 24, 2010 7:17:07 PM Ignore bad_sailor Report Abuse Good info.
DustyHorse Champion Author Virginia Posts:4,016 Points:978,340 Joined:Oct 2008	Message Posted: Aug 24, 2010 7:06:56 PM Ignore DustyHorse Report Abuse I usually drop comprehensive coverage on my clunkers.
divebomber Champion Author Nebraska Posts:3,709 Points:1,344,340 Joined:Jun 2007	Message Posted: Aug 24, 2010 7:05:09 PM Ignore divebomber Report Abuse Knowledge is power!