Features

• Comprehensive car insurance covers damage to your car as a result of natural disasters, collisions with animals, falling objects, missiles, theft, criminal activity, explosions, riots and numerous other events.
  
  

Considerations

• Generally, a policyholder is given the option to purchase comprehensive insurance with a deductible ranging from $250 to $1,000, according to the National Association of Insurance Commissioners. The deductible is the out-of-pocket money the policyholder agrees to pay before the insurance company pays for the damage to your car.
  
  

Example

• Your car collides with a deer causing $4,000 damage. You have a $500 deductible on your comprehensive insurance coverage. Some insurance companies require the policyholder to get an in-house estimate of damages from a company adjuster or inspector. When the repair work is completed, you owe $500 and the insurance company pays the balance of $3,500.