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What is excluded in comprehensive coverage?

What does comprehensive insurance cover and what would be excluded? I don't think I can afford to add both comprehensive and collision coverage to my car.

Emily Maracle · Updated on Aug 30, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

“

Comprehensive insurance

protects your vehicle from damage that occurs from a covered peril. This can include:

Hail damage

Windstorm damage

Flood damage

Vandalism

Theft

Collision with an animal

Cracked or broken glass

While covered perils may vary depending on the carrier, comprehensive will never cover damage caused by a collision with another vehicle or object or an uncovered peril.

Collision insurance

is designed specifically for that.

If you can’t afford both comprehensive and collision with your current carrier, you should shop around. You may be able to find more affordable coverage for both elsewhere. You can

request car insurance quotes online

to see what the cost of both would be.

Even if you can’t afford comprehensive and collision right now, it’s better to have comprehensive coverage on your vehicle than none at all.”

MORE:

Is Hail Damage Covered By Car Insurance?

View full answer

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