What Does It Cover and Not Cover?
It covers pretty much anything that damages your vehicle outside of a wreck. That includes Mother Nature in the form of flood, hail, hurricanes, earthquakes, fire and more.
An example is if something falls on it, like a tree branch, it’s covered. Did it get stolen? Covered. Vandalized? Covered.
Damage to your vehicle that isn’t covered is damage from a car wreck. Other things that are not covered include routine maintenance such as belts and hoses, brakes, tires and windshield wipers. Here’s a handy table to further illustrate what is and isn’t covered.
|Theft: This coverage protects you by replacing your vehicle at current market value if it is stolen||Yes|
|Vandalism: Vandalism is when someone damages your vehicle on purpose, such as a key scratch.||Yes|
|Fire: Covers you if your vehicle catches fire or is destroyed or damaged by a fire.||Yes|
|Natural Disasters (hurricane, tornado): If your vehicle is damaged or destroyed due to a natural disaster, this policy will help you recoup your losses.||Yes|
|Falling Objects: Falling tree limbs or other items are covered under a comprehensive policy.||Yes|
|Animal Damage: If you run into an animal, this coverage will help pay for repairs.||Yes|
|Civil Disturbance (riot): If your vehicle is damaged in the course of a civil disturbance, this policy will help you pay for the repairs or replacement.||Yes|
|Collision: Comprehensive typically will not pay for repairs or replacement due to a collision with another vehicle or object.||No|
|Another Person’s Vehicle: There is no coverage for somebody else’s vehicle.||No|
|Medical Expenses: Comprehensive does not pay for medical bills.||No|
|Normal Wear and Tear: Comprehensive does not pay for routine maintenance due to normal wear and tear||No|
Find Affordable Car Insurance Quotes Online Today
At Freeway, we can help you make sense of the choices you have in car insurance. Contact us today for a fast and easy car insurance quote online, reach out by calling us at 800-777-5620 or stop by one of our convenient locations.