Farmers' Comprehensive Auto Insurance: What's Covered And What's Not

Comprehensive auto insurance covers damage to your car not caused by a collision. This includes damage caused by animals, theft, vandalism, fire, weather, and civil unrest. It is also known as other than collision coverage and helps pay for losses or damage to your car. Comprehensive coverage is optional in most states but is usually required by lenders and leasing companies.

Comprehensive auto insurance covers animal damage

Comprehensive auto insurance covers damage to your car not caused by a collision. This includes damage caused by animals, such as chewed electrical wiring, scratches, and collisions with animals. If you accidentally hit a deer while driving, comprehensive coverage will cover the damage. It also covers damage caused by smaller animals, such as rodents or squirrels. For example, if a rodent chews through your engine wires or a squirrel damages your car's interior, comprehensive coverage will pay for the repairs.

Comprehensive coverage is optional in most states, but it is usually required by lenders and leasing companies. It typically comes with a deductible, which is the amount you agree to pay out of pocket before your coverage kicks in. Deductibles for comprehensive coverage usually range from $250 to $2,000, and the higher the deductible, the lower your monthly premium.

Comprehensive auto insurance covers a wide range of damages caused by animals. It is important to note that comprehensive coverage will not cover damage to personal items inside your car if an animal breaks in. However, it will cover any damage the animal causes to the vehicle itself, such as a broken door handle.

In addition to animal damage, comprehensive coverage also includes protection against theft, vandalism, fire, weather damage, and falling objects. This type of insurance is designed to provide financial peace of mind for a variety of situations that may arise when you are not driving.

It also covers weather damage

Comprehensive auto insurance covers damage to your car not caused by a collision. This includes weather damage caused by hurricanes, flooding, hail, and landslides. For example, if you live in an area prone to hurricanes or floods, comprehensive insurance can provide financial protection against the costly damage these natural disasters can inflict on your vehicle.

Comprehensive insurance typically covers damage caused by heavy rain and flooding. This includes water damage or rising water, protecting you from events beyond your control, such as a river overflowing or a severe rainstorm. It is important to note that some weather events and natural disasters, such as tornadoes, hurricanes, earthquakes, and flooding, may have limited protection or be excluded from coverage, so it is essential to review your policy carefully.

High winds can also cause significant damage to your car, and comprehensive insurance usually covers this type of weather damage. This includes damage from flying debris, such as smashed windows or dents. Additionally, comprehensive insurance typically covers damage caused by falling trees, branches, or other objects, regardless of whether they are on your property or your neighbour's.

Lightning strikes on vehicles are rare but can result in electrical issues, car fires, and body damage. Comprehensive insurance generally includes coverage for these types of weather-related incidents. It is worth noting that while fires resulting from a collision are typically covered under collision insurance, comprehensive insurance covers fires from various causes, including natural disasters, engine fires, and fires spreading from a nearby building.

Comprehensive auto insurance provides valuable protection against weather-related damage to your vehicle. It covers a wide range of weather events, from high winds and flooding to lightning strikes and hurricanes. By having this coverage, you can have peace of mind knowing that you are financially protected against the unpredictable forces of nature.

Comprehensive insurance covers theft

Comprehensive insurance will typically cover the cost of repairing damage to your vehicle resulting from a break-in, such as a broken ignition system. If your car is stolen, comprehensive insurance will cover the value of your vehicle. It is important to note that comprehensive insurance only covers the permanent, pre-installed parts of the car and not any personal belongings left inside.

Comprehensive insurance is optional and not required by law in any state. However, it is usually required by lenders if you are leasing or financing your vehicle. If you own your vehicle outright, you can decide whether to purchase comprehensive insurance based on factors such as the value of your car, your financial situation, and your personal preferences.

Comprehensive insurance provides coverage for events outside your control and helps protect your vehicle from unexpected damage. It is often recommended for peace of mind, especially if you have a high-value vehicle or live in an area prone to theft or weather-related disasters.

Farmers Insurance® offers comprehensive coverage, which includes protection against theft, vandalism, fire, animal collisions, and weather-related events. Their glass buyback optional coverage is also part of their comprehensive coverage, reducing the deductible for repairable glass damage to your windshield.

It can include vandalism

Comprehensive auto insurance covers damage to your car caused by factors other than a collision. This includes damage caused by vandalism. Vandalism is when someone intentionally damages or defaces your car. This can include broken taillights, headlights, or windows, or substances put into the gas tank. Comprehensive coverage will cover the cost of repairing this damage, minus your deductible.

Comprehensive coverage is not required by law, but it is often chosen by people with newer cars. If you have an older car, it may not be necessary. However, if you have a lease or loan on your car, your lending institution will likely require you to carry comprehensive coverage.

If your car is vandalised, there are several steps you should take. First, record the damage and take photos as evidence. Second, file a police report, as vandalism is a criminal offence. Third, contact your insurance agent and give them all the information you have, including the police report and photos. Finally, repair the damage. If you have a broken window, it is recommended to cover it with tape or plastic until it can be fully repaired.

Comprehensive coverage also includes damage from weather conditions such as hail, fires, floods, and falling objects, as well as theft and animal collisions. It is important to note that comprehensive coverage only applies to the car itself and not to any personal belongings inside the car, which would be covered by renters or homeowners insurance.

Comprehensive insurance covers fire damage

Comprehensive auto insurance covers damage to your car from a fire, depending on the cause of the fire and the specific coverage you carry. Comprehensive insurance is intended to protect you from damage caused by any force outside of your control, such as nature, vandalism, theft and other types of non-collision losses.

If your vehicle caught fire due to a car accident, your insurance claim will likely be handled by your auto collision insurance. However, if your car catches fire outside of an accident, comprehensive insurance will cover the damage. For example, comprehensive insurance covers fire damage in the following scenarios:

• A mechanical or wiring defect that caused an engine fire
• If the vehicle is stolen and a thief burns it to hide evidence
• If a house or other structure fire spreads to adjacent vehicles

Comprehensive insurance also covers damage caused by weather conditions, such as wind damage from hurricanes, floods, hail, and falling objects. It also covers total or partial car theft and vandalism, hitting or being hit by an animal, and violence from civil unrest or riots.

Frequently asked questions