What Does Comprehensive Insurance Cover?

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What does comprehensive auto insurance cover? If you are in the market for a new vehicle in the O'Fallon area or beyond, you may be wondering about your insurance options. If you opt for comprehensive auto coverage, you are protected against damage to your car that was not due to a collision. If your vehicle is lost, stolen, vandalized, or hit by a falling object, you don’t have to worry about steep out-of-pocket expenses. For many Caseyville drivers, comprehensive auto insurance will also take care of the costs associated with glass damage like a cracked or broken windshield. The team at Auffenberg Dealer Group would be glad to discuss the ins and outs of comprehensive insurance.

The Basics of Comprehensive Car Insurance

What is comprehensive coverage compared to your other insurance options? If you have been evaluating your insurance choices, here is what you need to know to make the most informed decision possible:

  • Comprehensive Car Insurance: Because your vehicle can sustain expensive damage that is not due to a collision, you have the option of selecting comprehensive coverage for added peace of mind. For example, if you are a victim of vehicle theft or vandalism, you are likely covered under a comprehensive insurance plan.
  • Gap Insurance: As soon as you head home to East St. Louis in a brand-new vehicle, that car undergoes steep depreciation. However, the amount you still owe on the vehicle does not decrease at that same rapid rate. If you are involved in a collision shortly after you purchase your vehicle, you may end up owing more on the vehicle than it is worth. Gap insurance protects you against this.
  • Liability Insurance: If you cause an accident, you’ll be held responsible for damages caused to others. Liability insurance helps cover the repair or replacement of the other vehicle(s) involved in a collision when you are the driver at fault. It also covers the medical bills of those injured in the crash.
  • Collision Insurance: To cover your vehicle in the event of a single car or multi-car collision, you can opt for collision insurance. This coverage will take care of the costs associated with replacing damaged parts or acquiring a new vehicle if the damage is too extensive. 
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Keep in mind that each state has its own insurance requirements. Some forms of insurance are necessary, and others are optional. If you have questions about the insurance coverage required in IL, Auffenberg Dealer Group would be happy to answer them.

Auffenberg Dealer Group Makes Auto Financing Hassle-Free

Now that you know the basics of comprehensive insurance coverage, you can decide if this coverage is right for you. If you have any other questions regarding insurance or the auto financing process, do not hesitate to reach out to Auffenberg Dealer Group. We would be glad to assist you.

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