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GLOSSARY
Comprehensive coverage pays for loss of or damage to your car from causes other than collision, minus any deductible. Common examples are theft, vandalism, hail, flood, fire, falling objects, and hitting an animal.
Like collision, lenders often require it on a financed car. Glass claims may have special deductible rules depending on the carrier.
EXAMPLE
A storm drops a tree limb on your roof. That is typically comprehensive, not collision.
A lot of expensive damage is not a crash. If you skip comprehensive, theft or hail is usually out of pocket.
Pair it with a deductible you could pay tomorrow, not just the cheapest monthly number. An agent can price a few deductible options side by side.
FAQ
Usually comprehensive. Hitting another car is collision. Hitting an animal is typically comprehensive. Confirm with your agent for your policy.
It depends. Damage to the car from a break-in may be comprehensive. Personal items inside are often a home or renters policy, not auto. Ask before you assume.
Some carriers sell them together. Others allow comprehensive alone. An agent can tell you what your quote options actually allow.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.