If you’re buying a new car, you may have heard about “comprehensive insurance” coverage – but just what is comprehensive coverage and how does it affect you? Comprehensive insurance coverage is important because it provides protection against any car damage that doesn’t come from a collision. This includes scenarios where your car is lost, stolen, vandalized, or damaged by falling objects. Not only will insurance cover those cases, but many companies will also cover glass damage like broken or cracked windshields. Find out what comprehensive insurance does cover with Suntrup Automotive Group, and see why this is such a popular option in St. Louis.
You know the basics, but what is comprehensive coverage in the St. Charles area? Your plan may differ from your neighbor’s, but generally speaking, your insurance will cover the following:
So, you know what comprehensive insurance does cover – but how does it work?
Collision insurance covers car accidents specifically, while comprehensive insurance covers events outside of your control. If your car was not damaged in a collision, it will probably be covered under comprehensive insurance. But, some scenarios are tricky. If you hit a deer in Fenton and undergo vehicle damage, that is covered under comprehensive insurance. If you swerve to avoid hitting a deer in St. Charles and veer off the road into a tree, this is covered by collision insurance instead.
If you still have questions about comprehensive insurance coverage, don’t hesitate to contact us at Suntrup Automotive Group. Our finance team would be happy to help you sort through your options and find the right insurance coverage for your needs.
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