The Importance of Comprehensive Coverage: What It Is and Why You Might Need It

Imagine this: You’re driving down a scenic country road, windows down, music playing, when suddenly—bam! A deer darts out of nowhere and collides with your car. The damage is significant and, as you assess the situation, you might be wondering: "Is this covered by my insurance?" Here’s where comprehensive coverage comes to the rescue.

What Is Comprehensive Coverage?

Comprehensive coverage, often referred to as "other than collision" coverage, is designed to protect your car from a wide range of damages not caused by an accident with another vehicle. It covers incidents that are often out of your control.

According to a study by the Insurance Information Institute, over 74% of insured drivers carry comprehensive coverage—and for good reason. It provides peace of mind for those unpredictable moments that could otherwise leave you facing hefty repair bills.

Why You Might Need Comprehensive Coverage

While collision coverage takes care of damage from car accidents involving other vehicles, comprehensive coverage fills in the gaps for life’s unexpected surprises.

Example: Hitting a Deer

Many people assume that hitting a deer would fall under collision insurance, but that’s not the case, as collision coverage is for incidents involving another vehicle. Comprehensive coverage is what you would need to cover the cost of damage a collision with a deer can cause. Without it, you could be paying thousands of dollars out of pocket.

Other Scenarios to Consider

• Hailstorms: If a sudden storm leaves dents and cracks on your car, comprehensive coverage has you covered.
• Flooding: If heavy rain turns into a flood and damages your vehicle, you’ll be glad you added this coverage.
• Falling Trees: A tree branch crashing onto your car during a windstorm can cause serious damage, but comprehensive coverage will take care of it.
• Theft: If your car is stolen, comprehensive coverage ensures you’re not left to cover the loss entirely out of pocket.

Final Thoughts

If you live in an area prone to severe weather, wildlife crossings, or high theft rates, comprehensive coverage is a wise investment. Protecting your vehicle from the unexpected is more affordable than you think and can save you from costly surprises down the road. Talk to one of our licensed insurance agents to see if you’re adequately covered—because you never know when that deer might make a surprise appearance!