Comprehensive only covers a few specific things
Comprehensive car insurance does provide extremely valuable protections — but towing, rental, and personal property coverages aren’t among them. Instead, comprehensive coverage protects your car against damage not resulting from a collision, as well as from theft.
What comprehensive insurance does cover
Just because it doesn’t cover everything outside of collisions doesn’t mean comprehensive insurance isn’t valuable. In fact, it covers a wide variety of things that can damage your car, including rockslides on twisting mountain roads, vandalism, and fires.
Comprehensive insurance can help you pay for your car’s repair, or even help you replace it entirely in the case of a total loss, due to any of the following:
- Damage not resulting from a collision, including:
- Falling object
- Certain natural disasters
- Glass damage
- Damage from hitting an animal
What it doesn’t cover
Despite the name, comprehensive insurance won’t help if you hit an object, require towing or roadside assistance, rent a car, or have personal property stolen from within your vehicle since other coverages exist to protect you in such situations.
Thankfully, car insurance companies offer options to cover all these events and more, including:
- Collision: which covers the cost of repairing or replacing your car if it collides with another car or object, or rolls over (property damage liability covers damage to other cars/objects)
- Towing and labor (often called roadside assistance): which can help with towing and some on-site services, including:
- Tire changing
- Gas, oil, and water delivery
- Battery services
- Lockout services
- Rental reimbursement: which pays for a rental car if you can’t drive your insured car due to theft or damage
Personal property is usually covered by homeowners or renters insurance.